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Job Description


Company Introduction 

Emirates NBD is a market leader across the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion.

At the bank, we serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate & institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. 

We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.

Job Purpose –  As Retail Loans Pricing manager at Emirates NBD, your role is to

  • Provides financial solution to retail banking customers from such as cash support through Personal Loan with structured repayments, financing home or auto or even overdraft to fulfill temporary cash shortfall
  • Responsible for leveraging SAS tools and methodologies to extract, analyze, and interpret data while managing projects, creating project roadmaps, contributing to business planning, and maintaining pricing promotions.
  • Knowledge of the SAS decision management system and SAS Designer Studio, along with experience in banking industry
  • Design and develop SAS business rules, SAS rule flows, and decision flows, to support customer segmentation, retail loan policy and pricing variance offers.
  • Contribute to business planning by proving insights and recommendations on how SAS tools and methodologies can be leveraged to design pricing variance for business growth and operational efficiency. 


  • Collaborate with business stakeholders, including product manager and product heads to understand the pricing enhancement roadmap, and translate them into actionable project requirements
  • Support retail lending pricing initiative by creating business benefit analysis, feasibility assessment, contributing to business case development and decision making
  • Design and develop SAS business rules, SAS rule flows, and decision flows, to support customer segmentation, retail loan policy and pricing variance offers.
  • Collaborate with cross-functional teams to validate and test pricing engine release from various phases of project management cycle such as system integration testing (SIT), user acceptance testing (UAT) and production deployment.
  • In collaboration with IT and Product team, support frontline staff to ensure pricing variance are available across channels and sales team/customers has seamless experience. Debug the pricing related defecting through reviewing SAS rules and SQL skills
  • Support pricing engine enhancement deployment by aligning product to sign-off the release, and sales team to test the release within sanity window.
  • Manage project communication, including regular status updates, progress reports, and issue resolution, to ensure transparency and alignment across teams

To be successful in this role, you will need the following skills and experience…

  • Bachelor’s degree in a relevant field such as Mathematics, Statistics, Economics, Computer Science, or a related discipline. A master’s degree is a plus
  • Must have experience in implementation of Retail Asset products
  • Familiarity with database management systems and SQL for data extraction and manipulation
  • Stay updated with industry trends, best practices, and advancements in SAS technologies to continuously enhance analytical capabilities and drive innovation.
  • Good to have fair knowledge on the new technologies like KAFKA, Cloud Native Apps to support future implementation.
  • Experience with other analytical tools and languages such as R, Python is a plus

What we offer you

  • Competitive salary package 
  • Strong emphasis on work-life balance and wellbeing across the bank
  • World-class Learning & Development platform and career development 
  • Generous annual leave entitlement and Private Healthcare
  • Preferential banking facilities for employees
Dubai, United Arab Emirates