Product Manager Auto Finance

The Product Manager for Auto Finance will lead the development, management, and growth of the Bank’s Auto Finance portfolio by delivering customer-focused, Shariah-compliant vehicle financing solutions. This role involves executing product strategies, driving portfolio growth, managing pricing and profitability, optimizing customer journeys, and enhancing digital capabilities. The position requires close collaboration with dealer networks and internal teams to ensure compliance with regulatory standards and alignment with the Bank’s risk appetite.

Key Responsibilities

- Develop and implement the Auto Finance product strategy in line with Retail Banking goals.
- Manage the full lifecycle of Auto Finance products and propositions.
- Design and continuously improve Shariah-compliant vehicle financing solutions.
- Drive financing disbursement volumes, utilization rates, and profitability targets.
- Define product features, pricing models, eligibility criteria, and customer benefits.
- Optimize customer journeys across origination, approval, disbursement, and servicing stages.
- Collaborate with Auto Finance Relationship Managers to boost dealer-led business generation.
- Build and maintain strong relationships with vehicle dealerships and automotive ecosystem partners.
- Support the development of dealer financing programs and strategic partnerships.
- Work closely with Technology teams to digitize and automate financing processes.
- Monitor portfolio performance, including yields, utilization, and profitability metrics.
- Conduct market research and competitor benchmarking to identify growth opportunities.
- Partner with Credit Risk teams on underwriting criteria, scorecards, and product programs.
- Assist in developing employer-linked and payroll-based financing programs.
- Lead User Acceptance Testing (UAT), implementation planning, and product launches.
- Analyze customer feedback and financing performance data to recommend enhancements.
- Prepare portfolio reviews, management dashboards, and business presentations.
- Ensure compliance with State Bank regulations, internal policies, and Shariah principles.

Required Qualifications

- Bachelor’s degree in Business Administration, Finance, Banking, Economics, Accounting, or a related field.
- Minimum of 5 to 8 years of experience in Auto Finance, Consumer Finance, Retail Banking, Product Management, Digital Financing, or Islamic Banking.
- Proven experience managing auto finance portfolios, dealer networks, or vehicle financing programs is highly preferred.

Preferred Qualifications and Benefits

- An MBA or relevant postgraduate qualification is preferred.
- Experience in Islamic Banking is considered an advantage.
- The role offers the opportunity to work in a dynamic, inclusive environment committed to innovation and customer-centric solutions.
- Raqami Bank is an equal opportunity employer, welcoming applications from all qualified individuals, including Persons with Disabilities (PWDs), and fostering an inclusive workplace where everyone can thrive.

Applications for this position will be accepted until October 16, 2026.