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
Requirements
Must-Haves
- 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
Nice-to-Haves
- 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)
Why Join Us
[Client-specific — needs input: growth story, market position, or transformation mandate you want to highlight]
Disclaimer
CodeNinja is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, or any other protected characteristic.
Skills Required
- 12+ years of experience in retail banking
- Significant leadership experience in personal finance or 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 understanding of risk and compliance requirements in consumer lending
- Demonstrated leadership in customer acquisition strategy for lending products
- Experience in a GCC or KSA banking market
- Exposure to digital transformation or fintech partnership initiatives within a bank
- Experience managing cross-functional stakeholders across Credit, Risk, Compliance, Digital, and Operations
What We Do
A digital transformation company, driven to solve some of the most complex problems in the world today through technology. Our core service portfolio includes staff augmentation, software development and cloud services with over 300+ projects delivered to date. Established in 2014, with a continuously growing team of 250+ experts, operating across 3 regions with Americas, Middle East, and Southeast Asia, CodeNinja is one of the fastest growing technology companies recognized by Forbes Technology Council. With value addition being a core focus for the company, CodeNinja ranks as one of the top and best reviewed software development and services company. Now offering enterprise cloud solutions to some of the leading technology companies in the world, the company has secured funding of $1.6M and is poised to invest in redefining workplace dynamics through use of advanced AI. CodeNinja has earned the trust of more than 240 clients spread across 15 different countries and 9 different industries. The company is also one of the top-rated outsourcing services provider in Pakistan, forming dedicated technology teams for some of the world's leading organizations like Microsoft, Lifeforce (Tony Robbins) and OTL alongside unicorns such as 24Seven, ABHI, and Graana. In addition, to ensure quality and commitment to client data security, the company is now ISO 270001 certified. Services: · Offshore Engineering Teams · Custom Software Development · Dedicated Development Center · Application Modernizations · Cloud Services and Solutions · Modern Workplace Solutions · Digital Transformation Strategy · AI Consulting · AR/VR and Digital Twins · eCommerce Solutions Awards and Achievements: Top 1000 Companies Clutch Global 2023 Top Company in .Net Developers 2023 Clutch Global Fall 2023 Certifications & Partnerships: Adobe Commerce Cloud Solution Partner Microsoft Solution partner for business applications. Microsoft Solution Partner for Azure Data and AI.
