About CodeNinja CodeNinja is a technology and AI consulting firm delivering embedded and forward-deployed teams across KSA, Pakistan, Egypt, and Latin America, partnering with leading financial institutions and enterprises on their digital and business transformation journeys. About the Role We are hiring a Head of Personal Finance to lead the Personal Finance (unsecured lending) portfolio for a Retail Banking client. This is a senior leadership role owning the full Personal Finance business product proposition, portfolio growth, P&L, pricing, customer acquisition, and lifecycle management with end-to-end accountability for the customer journey from product design and eligibility through credit, fulfilment, servicing, and portfolio performance. Key Responsibilities Own the Personal Finance P&L revenue, growth, and profitability targets Define and evolve the product proposition and pricing strategy for the Personal Finance portfolio Drive customer acquisition strategy across digital and traditional channels Own portfolio performance management asset quality, delinquency, and risk-adjusted returns Lead end-to-end journey design: eligibility criteria, credit decisioning, fulfilment, and servicing Partner with Credit/Risk on policy design and portfolio risk appetite Own lifecycle management retention, cross-sell, and portfolio optimization Ensure regulatory and compliance alignment across the Personal Finance journey Lead and develop the Personal Finance team

Desired Candidate Profile

• 12+ years in Retail Banking, with significant leadership experience specifically in Personal Finance / unsecured lending
• Strong understanding of lending economics, pricing, and credit policy
• Proven experience owning portfolio management and P&L for a lending product
• Experience with digital lending journeys
• Strong grasp of risk and compliance requirements in consumer lending
• Demonstrated leadership in customer acquisition strategy for lending products
• Experience in a GCC/KSA banking market
• Exposure to digital transformation or fintech partnership initiatives within a bank
• Experience managing cross-functional stakeholders (Credit, Risk, Compliance, Digital, Operations)