consumer finance specialist

هيئة التأمين | Insurance Authority

<div>
 
 
 Job Purpose
 
 
 
 The Senior Consumer Experience Specialist is responsible for providing support in developing and implementing strategies that ensures consumer interactions with the insurance market are fair, transparent, and positive.
 
 
 
 
 
 Key Responsibilities and Activities
 
 
 
 
 
 
 Operations Management
 
 
 <ul>
 <li>
 Implementation of the General Department&rsquo;s policies, systems, procedures and controls so that all relevant procedural/ legislative requirements are met while delivering high quality and cost-effective results
 </li>
 </ul>
 
 
 Consumer Experience
 
 
 <ul>
 <li>
 Assist in conducting research and analysis to gather insights into consumer behaviour, needs, and satisfaction levels. Use this data to inform policy and strategy.
 </li>
 <li>
 Support in the coordination with Consumer Care Department to understand consumer complaints management process, ensuring that complaints are resolved efficiently and effectively, and identifying trends to inform systemic improvements.
 </li>
 <li>
 Engage with a broad range of stakeholders, including consumers, insurance companies, and regulatory bodies, to promote consumer rights and enhance the consumer experience.
 </li>
 <li>
 Collaborate with other departments to develop and refine policies and regulations that protect consumers and improve their experience.
 </li>
 <li>
 Prepare and present reports on consumer experience initiatives, outcomes, and consumer satisfaction metrics to senior management and external stakeholders.
 </li>
 <li>
 Perform any other related job duties as assigned.
 </li>
 </ul>
 
 
 
 
 
 
 
 Qualifications and Requirements
 
 
 
 
 
 
 Knowledge and Experience
 
 
 <ul>
 <li>
 3 years or more of relevant experience in customer experience or any related field.
 </li>
 <li>
 Previous experience in government sector or regulatory bodies is preferred.
 </li>
 </ul>
 
 
 Education and Certifications
 
 
 <ul>
 <li>
 Bachelor's degree in business administration, Finance, or any other related field
 </li>
 <li>
 Master's degree in business administration or any other related field is preferred.
 </li>
 <li>
 Relevant professional certificates are preferred.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Competencies
 
 
 <ul>
 <li>
 Effective communication
 </li>
 <li>
 Teamwork
 </li>
 <li>
 Results-oriented
 </li>
 <li>
 Stakeholders&rsquo; management
 </li>
 </ul>
</div>

Senior Specialist of Consumer Experience

CBC Resourcing Solutions

Customer Service AssociateManchester To £35,000 plus bonus and benefitsOur client is a vehicle finance specialist providing first class customer service. Due to growth they are looking to recruit an Customer Service Associate.The successful Customer Service Associate will be a representative of an FCA-regulated firm, you will play a critical role in delivering exceptional customer service, managing collections, and ensuring regulatory compliance throughout the life cycle of the customer journey. The ideal candidate will possess strong communication skills, a solutions-oriented mindset, and a commitment to upholding the highest standards of integrity and customer care.You will;<ul><li>Serve as the first point of contact for customers, addressing queries and providing accurate information about motor finance products and services.</li><li>Handle customer account management, including updates, payments, and resolving disputes in a timely and professional manner. </li><li>Ensure that all customer interactions are conducted in line with FCA Treating Customers Fairly (TCF) principles and in line with Consumer Duty requirements. </li><li>Collaborate with internal departments to resolve customer issues effectively and efficiently.</li></ul>This is an exciting opportunity to join a dynamic business during an exciting period of growth.In the first instance please send your CV in confidence

Customer Service Associate

PayTech Group

<div>
 
 Job Title:
 
 Cards Product Management Specialist
 
 
 
 Term:
 
 12 months
 
 
 
 Location:
 
 Bahrain
 
 
 
 Division:
 
 Retail Banking/ Cards &amp; Payments
 
 
 
 Relevant experience:
 
 
 
 <ul>
 <li>
 10-15 years cards product/ portfolio management
 </li>
 <li>
 Card Product launches
 </li>
 <li>
 Process/ Policy revamp
 
 
 
 </li>
 </ul>
 
 Mandatory requirements:
 
 
 
 <ul>
 <li>
 Experience of product launches, CVP development, SAMA regulations knowledge
 </li>
 <li>
 Knowledge of cards (debit, credit and prepaid) profitability and key metrics
 
 
 
 </li>
 </ul>
 
 PURPOSE OF THE PROJECT
 
 
 
 The Cards Product Management Specialist is responsible for driving the strategic development, commercialization, and lifecycle management of card products. This includes overseeing product launches, optimizing portfolio performance, managing vendor relationships, and ensuring compliance with regulatory standards. The role is pivotal in enhancing customer engagement, profitability, and operational efficiency across the card business. The specialist will guide and support in executing strategies aimed at generating revenue through products in alignment with consumer banking strategy, with a focus on the whole bank value which is not limited to Card Launches and ongoing product management.
 
 
 
 Key Activities
 
 
 
 
 Core Responsibilities And Accountabilities
 
 
 
 <ul>
 <li>
 Lead the design and rollout of innovative card products tailored to market needs.
 </li>
 <li>
 Define product value propositions (CVPs) and pricing strategies.
 </li>
 <li>
 Create a Bin Sponsorship program and lead discussions for white label solutioning and processing capabilities discussions with new clients
 </li>
 <li>
 Collaborate with cross-functional teams (marketing, sales, operations, compliance) to ensure successful product launches
 </li>
 <li>
 Guide and support in executing strategies aimed at generating revenue through products in alignment with consumer banking strategy.
 </li>
 <li>
 Supports the commercialization of new products and launch of new products and solutions, by recommending pricing, providing sales tools and training the sales team to ensure knowledge transfer resulting in successful sales in partnership with acquisitions
 </li>
 <li>
 Support the client in profit and growth for cards, including revenue, credit costs, and direct/allocated costs.
 </li>
 <li>
 Manage product management for cards, audit, compliance matters, and complaints support.
 </li>
 <li>
 Provide guidance and support to client-facing professionals and sales teams to solve complex client needs through products.
 </li>
 <li>
 Support sales teams with training, tools, and product knowledge to drive acquisition and usage.
 </li>
 <li>
 Recommend promotional campaigns and tactical plans to boost card performance
 </li>
 <li>
 Supports monitoring of product performance, post roll-out and helps resolve product or sales issues to ensure continuous product improvement.
 </li>
 <li>
 Support in delivery of large programs for clients from initiation to benefit realization Successful execution of projects across different clients / businesses, identifying and mitigating risks, solving issues, developing plans and ensuring they are implemented in line with agreed timescales, budgets and quality criteria, including examples of re-aligning scope and objectives during a program to ensure maximum value extraction
 </li>
 <li>
 Develop strong bonds with clients that endure beyond a particular assignment, serves as a go-to resource for client staff, is sought out for knowledge of industry and firm
 </li>
 <li>
 Identify new business opportunities to support clients with solutions
 </li>
 <li>
 Manage integration with card processing systems, switches, and vendors.
 </li>
 <li>
 Provide technical support for card applications and resolve operational issues
 </li>
 <li>
 Ensure seamless delivery of regulatory changes and compliance adherence
 
 
 
 </li>
 </ul>
 
 KPIs
 
 
 
 <ul>
 <li>
 Sales and Acquisition growth
 </li>
 <li>
 Spend, ENR and Revenue growth from card products
 </li>
 <li>
 Number of successful cards launches and time to market
 </li>
 <li>
 Reduction in credit costs and profitability optimization
 </li>
 <li>
 Successful execution of marketing campaigns
 </li>
 <li>
 Customer satisfaction and superior customer experience
 </li>
 <li>
 Timely and effective product roll-out and commercialization
 
 
 
 </li>
 </ul>
 
 Knowledge And Experience
 
 
 
 <ul>
 <li>
 Bachelors or Masters degree in Business, Finance, Marketing, or related field.
 </li>
 <li>
 Strong understanding of card payments, processing systems, and regulatory environments.
 </li>
 <li>
 6 to 8 years of proven experience in product development, portfolio management, and cross-functional collaboration.
 </li>
 <li>
 Excellent analytical, communication, and stakeholder management skills
 
 </li>
 </ul>
</div>

Cards Product Management Specialist

Omnissa

<div>
 
 Omnissa is empowering the digital workspace. We see in the age of mobile and cloud that consumer devices and application experiences are shaping how businesses drive digital transformation. Consumer experience has changed employee expectations which is creating new application demands and forging new opportunities to change business processes and improve user experience and productivity.
 
 
 
 
 
 Job Summary
 
 
 
 The Government Relations &amp; HR Specialist is responsible for managing all regulatory and compliance interactions with Saudi government entities as well as HR administration for the region. This includes overseeing portal registrations, handling employee documentation, and ensuring the company&rsquo;s operations align with national digital and labor regulations. This role plays a critical role in supporting the company&rsquo;s growth and legal standing in the Kingdom&rsquo;s evolving tech ecosystem.
 
 
 
 
 
 Key Responsibilities
 
 
 <ul>
 <li>
 Manage and maintain company records across government portals including
 
 Absher Business
 
 ,
 
 Qiwa
 
 ,
 
 MHRSD
 
 ,
 
 GOSI
 
 ,
 
 ZATCA
 
 ,
 
 Mudad
 
 ,
 
 SPL
 
 ,
 
 Balady
 
 ,
 
 CCHI
 
 ,
 
 EJAR
 
 and
 
 SABER (CST)
 
 .
 </li>
 <li>
 Coordinate with the
 
 Communications, Space and Technology Commission (CST)
 
 for product approvals, technology certifications, and regulatory updates.
 </li>
 <li>
 Ensure compliance with
 
 Saudization (Nitaqat)
 
 quotas and labor law requirements specific to the tech sector.
 </li>
 <li>
 Facilitate onboarding of expatriate and local employees, including
 
 visa processing
 
 ,
 
 Iqama issuance
 
 , and
 
 GOSI registration
 
 .
 </li>
 <li>
 Support the registration and renewal of
 
 municipal licenses
 
 and
 
 national address updates
 
 for tech offices and data centers.
 </li>
 <li>
 Monitor
 
 Wage Protection System (WPS)
 
 compliance via
 
 Mudad
 
 and coordinate payroll uploads with HR and finance teams.
 </li>
 <li>
 Liaise with
 
 ZATCA
 
 for tax filings,
 
 e-invoicing compliance
 
 , and digital service reporting.
 </li>
 <li>
 Participate or represent the company in official meetings, inspections, and audits with government entities.
 </li>
 <li>
 Stay updated on regulatory changes affecting
 
 software,
 
 
 cloud services
 
 ,
 
 cybersecurity
 
 ,
 
 AI
 
 , and
 
 digital platforms
 
 .
 </li>
 <li>
 General office administration when needed for Omnissa Software Arabia Company
 </li>
 <li>
 Managing HR administration.
 </li>
 <li>
 Participate in interview panels as required.
 </li>
 </ul>
 
 
 
 
 Required Skills &amp; Qualifications
 
 
 <ul>
 <li>
 Fluent in
 
 Arabic and English
 
 .
 </li>
 <li>
 Strong understanding of
 
 Saudi labor laws
 
 ,
 
 digital regulations
 
 and
 
 HR
 
 .
 </li>
 <li>
 Experience with government portals including
 
 Absher
 
 ,
 
 Qiwa
 
 ,
 
 MHRSD, GOSI, ZATCA, SPL, CCHI, EJAR,
 
 
 CST/SABER
 
 ,
 
 EJAR
 
 and
 
 Mudad
 
 .
 </li>
 </ul>
 
 
 
 
 Preferred Skills &amp; Qualifications
 
 
 <ul>
 <li>
 Familiarity with tech industry compliance requirements (e.g.,
 
 cloud
 
 ,
 
 AI
 
 ,
 
 cybersecurity
 
 ).
 </li>
 <li>
 Excellent
 
 organizational
 
 and
 
 communication
 
 skills.
 </li>
 <li>
 Prior experience in a
 
 GRO/ HR role within a tech company
 
 is preferred.
 </li>
 </ul>
</div>

Government Relations & HR Specialist

UMHS

Universal MH/DD/SAS is seeking an Early Intervention Specialist (Infant Toddler Specialist) to provide Community Based Rehabilitation Services in Western North Carolina servicing counties including: Burke/Caldwell/McDowell Counties. Education requirements include a bachelor's degree or higher in one of the following areas : Birth-Kindergarten Education/Early Childhood Special Education/Special Education/ Education/Child Psychology/Human Development/Family Relations/Family Studies/Family and Consumer Sciences/Psychology/Social Work, Elementary Education, Child and Family Studies, Counseling and Nursing This is a contract position.

Early Intervention Specialist-Burke, Caldwell, McDowell Area

HugoBank

<div>
 As the Product Lead for Lending (Consumer &amp; SME), the incumbent will lead the end-to-end strategy, design, and delivery of lending products across both individual (consumer) and business (SME) segments. The role requires a blend of strategic thinking, customer insight, technical expertise, and a deep understanding of Pakistan's lending landscape covering unsecured, secured, and digital credit propositions. The Product Lead will ensure that all lending products are designed with scalability, compliance, and customer experience in mind, supporting HugoBank's goal of becoming a lending-first digital bank.
 
 
 
 Essential Duties And Responsibilities
 
 
 
 
 Product Proposition &amp; Strategy
 
 
 
 <ul>
 <li>
 Define and own clear, differentiated lending propositions across Consumer and SME segments, including personal loans, credit cards, working capital finance, term loans, earned wage access (EWA), inventory finance, and invoice financing
 </li>
 <li>
 Identify and prioritize customer pain points and unmet credit needs to design scalable, compliant lending solutions aligned with HugoBank's strategic and risk objectives
 </li>
 <li>
 Ensure lending propositions drive customer lifecycle value, responsible credit usage, and financial inclusion, while supporting sustainable portfolio growth
 
 
 </li>
 </ul>
 
 Product Development &amp; Lifecycle Management
 
 
 
 <ul>
 <li>
 Own and manage the end-to-end lending product lifecycle, from concept and business case development through design, testing, launch, and continuous optimization
 </li>
 <li>
 Partner with Technology, Risk, Credit, Finance, and Operations teams to define and implement credit policies, business rules, customer journeys, and system configurations
 </li>
 <li>
 Lead integration and automation initiatives across the Credit Decision Engine (CDE) and Lending Management System (LMS) to enable scalable, fast, and reliable credit decisioning
 
 
 </li>
 </ul>
 
 Process Optimization
 
 
 
 <ul>
 <li>
 Map and streamline end-to-end lending processes to improve efficiency, reduce turnaround time, and enhance customer experience
 </li>
 <li>
 Introduce digital credit journeys, leveraging automation and analytics to support instant or near-instant lending decisions
 </li>
 <li>
 Continuously identify bottlenecks and control gaps, implementing scalable process improvements that balance speed, risk, and regulatory compliance
 
 
 </li>
 </ul>
 
 Technical &amp; Analytical Collaboration
 
 
 
 <ul>
 <li>
 Work closely with Technology and Data teams to design credit workflows, decision models, APIs, and data points required for lending propositions
 </li>
 <li>
 Use analytics and portfolio insights to inform product enhancements and risk optimization
 
 
 </li>
 </ul>
 
 Risk, Compliance &amp; Operations
 
 
 
 <ul>
 <li>
 Ensure lending frameworks and operational processes comply with SBP and AML/CFT requirements while enabling scalable growth
 </li>
 <li>
 Work cross-functionally with Risk, Compliance, and Operations to monitor fraud and credit misuse risks in line with consumer lending policies and controls
 
 
 </li>
 </ul>
 
 Cross-Functional Leadership
 
 
 
 <ul>
 <li>
 Collaborate with Liabilities, Marketing, Technology, Risk, Data, and Analytics teams to deliver integrated lending and financing offerings across multiple customer segments, including Merchants
 </li>
 <li>
 Partner with Product teams to design and launch targeted financing solutions for Merchants and other priority segments, such as working capital, invoice factoring, and BNPL
 </li>
 <li>
 Leverage transactional and behavioral data in partnership with Analytics to generate insights and enable effective cross-sell and upsell of lending products across segments
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 <ul>
 <li>
 Gather market insights to identify product pain points, unmet needs, and value-added service opportunities (e.g., loyalty programs, BNPL, automated invoicing) across Merchants and other priority customer segments
 </li>
 <li>
 Conduct field visits, customer interviews, and workshops with key segments and clusters (including pharmacies, FMCG distributors, and retail hubs) to capture on-ground insights and behavioral drivers for borrowing
 </li>
 <li>
 Ensure customer insights are systematically embedded into product prioritization and roadmap decisions
 </li>
 <li>
 Continuously track global and regional lending trends, with a strong focus on digital-first propositions, to inform product evolution and competitive positioning
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Bachelor's degree in Business Administration, Economics, Finance, or related field
 </li>
 <li>
 5-7 years of experience in financial services, with hands-on ownership of Consumer and/or SME lending products
 </li>
 <li>
 Proven track record in designing, launching, and scaling lending propositions, including digital credit journeys, underwriting models, and lifecycle management
 </li>
 <li>
 Strong understanding of SBP lending regulations, AML/CFT, consumer protection guidelines, and their impact on product design and execution
 </li>
 </ul>
</div>

Products Lead - Lending

JPMorganChase

<div>JOB DESCRIPTION 
Join a global leader in financial services and help shape the future of trade finance operations. At JPMorgan Chase &amp; Co., you&rsquo;ll work with talented professionals and contribute to innovative solutions for our clients. We value diversity, inclusion, and the unique perspectives our employees bring. Be part of a team that drives efficiency and excellence in every transaction. Your expertise will help us deliver world-class service across markets.
As a Transaction Control Team Lead &ndash; Analyst in the Trade &amp; Working Capital Operations team, you oversee daily operations for trade finance products. You ensure accurate and timely transaction processing in line with ICC guidelines and bank procedures. You provide expertise to support business needs and drive operational improvements. You maintain compliance with internal policies and regulatory requirements. You play a key role in risk management and process optimization.
Job Responsibilities<ul><li>
Lead and manage day-to-day operations for trade finance products</li><li>
Ensure timely and accurate transaction processing within agreed SLAs</li><li>
Maintain and update Standard Operating Procedures as needed</li><li>
Drive efficiency by implementing best practices and process improvements</li><li>
Engage in new deals and participate in project management calls</li><li>
Oversee smooth migration of processes and systems</li><li>
Ensure adherence to internal policies and regulatory requirements</li><li>
Handle reconciliation of accounts and trade payment entries</li><li>
Manage payment messages including MT103, MT202, MT101</li><li>
Support business needs with transactional expertise</li><li>
Foster a positive and collaborative team environment</li></ul>
Required Qualifications, Capabilities and Skills<ul><li>
Graduate with minimum 5 years&rsquo; experience in Trade Finance Operations</li><li>
Thorough knowledge of ICC Rules (UCP 600, ISBP, ISP, URR, URC)</li><li>
Strong understanding of Anti-Boycott and OFAC Regulations</li><li>
Proficient in handling payment messages (MT103, MT202, MT101)</li><li>
Experience in account reconciliation</li><li>
Skilled in trade payment entries (Nostro, Wash, SAP, etc.)</li><li>
Certified Documentary Credit Specialist (CDCS) or equivalent</li><li>
Positive attitude and willingness to learn</li><li>
Ability to multi-task effectively</li><li>
Strong attention to detail and compliance</li></ul>
Preferred Qualifications, Capabilities and Skills<ul><li>
Additional certifications in trade finance</li><li>
Experience with project management in financial operations</li><li>
Familiarity with retail and wholesale banking processes</li><li>
Strong analytical and problem-solving skills</li><li>
Excellent communication and interpersonal abilities</li><li>
Experience in process migration and change management</li><li>
Ability to drive team performance and efficiency</li></ul> 
ABOUT US<div> 
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world&rsquo;s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. 
 
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants&rsquo; and employees&rsquo; religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.</div> 
 
 
ABOUT THE TEAM 
 
J.P. Morgan&rsquo;s Commercial &amp; Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial &amp; Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.</div>

Operations Analyst - GLOBAL TRADE BANGALORE

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