IN_Senior Associate_Lending & NBFI_GCC_Advisory_Bangalore

Why PWC

At PwC, you will be part of a vibrant community of solvers that leads with trust and creates distinctive outcomes for our clients and communities. This purpose-led and values-driven work, powered by technology in an environment that drives innovation, will enable you to make a tangible impact in the real world. We reward your contributions, support your wellbeing, and offer inclusive benefits, flexibility programmes and mentorship that will help you thrive in work and life. Together, we grow, learn, care, collaborate, and create a future of infinite experiences for each other. Learn more about us.

At PwC, we believe in providing equal employment opportunities, without any discrimination on the grounds of gender, ethnic background, age, disability, marital status, sexual orientation, pregnancy, gender identity or expression, religion or other beliefs, perceived differences and status protected by law. We strive to create an environment where each one of our people can bring their true selves and contribute to their personal growth and the firm’s growth. To enable this, we have zero tolerance for any discrimination and harassment based on the above considerations.

Job Summary: 

We are seeking a highly analytical and strategic Associate / Senior Associate to join Financial Services Advisory team. The ideal candidate will have extensive experience in the lending and Non-Banking Financial Institutions (NBFI) sector especially within the Kingdom of Saudi Arabia. This role is pivotal in driving the growth of lending business for our clients by managing the entire product lifecycle in full compliance with SAMA regulations. 

Responsibilities 

Business Case & Strategy Development: 

• Conduct in-depth market analysis, competitive landscaping, and feasibility studies to identify new lending product opportunities. 

• Develop comprehensive business cases for new products, including financial modeling, revenue projections, and risk assessment. 

• Define and articulate the product vision, strategy, and roadmap for the lending portfolio (e.g., Personal Loans, SME Financing, BNPL, etc.). 

• Present business cases and strategic recommendations to senior management and key stakeholders. 

Product Definition & Documentation: 

• Translate business strategy into detailed requirements by authoring high-quality Business Requirement Documents (BRDs). 

• Develop and document Standard Operating Procedures (SOPs) for lending operations, customer service, and collections. 

• Design and map end-to-end customer journeys and internal operational workflows in collaboration with Operations, Tech, and Risk teams. 

Implementation & Go-To-Market: 

• Act as the key business liaison with the technology team to ensure product features are developed as per business requirements. 

• Define workflows and operating procedures for end to end lending lifecycle including customer acquisition & onboarding, disbursement, repayments and collections, customer service  

• Assist in the testing phase by defining User Acceptance Testing (UAT) scenarios and test cases, participating in testing, and providing sign-offs. 

• Collaborate with Marketing and Sales teams to develop and execute a successful go-to-market strategy for new products. 

Compliance & Governance: 

• Ensure all product designs, processes, and documentation are fully compliant with the guidelines and regulations issued by the Saudi Central Bank (SAMA) for Finance Companies/NBFIs. 

• Liaise with Legal and Compliance teams to secure necessary approvals for all product initiatives. 

Qualifications & Experience 

• Experience: 4-7 years of progressive experience in product management, business analysis, or strategy within the Lending and/or NBFI sector in the Kingdom of Saudi Arabia. 

• Education: Master’s degree in Business Administration, Finance, Economics, or a related field. 

• Track Record: Proven track record of successfully launching and managing lending products from concept to launch in the KSA market. 

• Documentation Expertise: Demonstrable expertise in writing detailed BRDs, creating process flow diagrams, and authoring clear SOPs. 

Mandatory skill sets:

Business Analyst, Payments, NBFI

Preferred skill sets:

Agile,Scrum

Years of experience required:

4-8

Education qualification:

MBA, bCOM