# Head of Personal Finance

> CodeNinja · Riyadh, Saudi Arabia · — · Posted 2026-08-19

**Workplace:** on_site

**Department:** Professional Services

## Description

**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.

## Apply

[Apply at CodeNinja](https://apply.workable.com/codeninjapk/j/DA62863822/apply)

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