Subject Matter Expert Personal Finance

Role Overview

Stralent Consulting is seeking a Subject Matter Expert – Personal Finance to support a leading Saudi bank in executing its Personal Finance product strategy. This is a hands-on delivery role based in Riyadh, Saudi Arabia, requiring a professional with direct experience in the Saudi Personal Finance market. The successful candidate will translate strategic priorities into actionable plans and measurable business outcomes. This is a contract position with a salary range of SAR 42,500–47,500.

Key Responsibilities

The Subject Matter Expert will support the bank in executing its Personal Finance strategy, including:

• Translating strategic priorities into clear product, commercial, and implementation plans.
• Reviewing the existing Personal Finance portfolio, product propositions, customer journeys, and operating model.
• Identifying opportunities to improve customer acquisition, conversion, utilization, profitability, portfolio growth, and customer experience.
• Supporting the design, development, and enhancement of Personal Finance products, features, pricing structures, eligibility criteria, and customer propositions.
• Developing proposition insights grounded in Saudi customer needs, market dynamics, competitive positioning, and emerging industry trends.
• Conducting competitor and market analysis to identify proposition gaps and opportunities for product innovation.
• Supporting product-related regulatory submissions and approval processes, including coordination with SAMA engagement stakeholders.
• Working with risk, credit, compliance, legal, operations, and technology teams to ensure product initiatives are commercially viable, operationally executable, and compliant.
• Supporting improvements to end-to-end Personal Finance journeys across digital, branch, and assisted channels.
• Reviewing application, approval, fulfillment, and servicing processes for simplification and automation opportunities.
• Developing business cases, product papers, implementation plans, and management presentations.
• Defining performance indicators and monitoring progress against agreed commercial and execution targets.
• Supporting initiative governance, stakeholder alignment, and senior-management reporting.
• Identifying execution bottlenecks, resolving issues, and maintaining momentum across assigned workstreams.
• Bringing practical Saudi-market insight into product, proposition, and execution decisions.

Qualifications and Experience

• Significant experience in Personal Finance product management within a bank or financial institution.
• Direct and recent experience within the Saudi banking market is strongly preferred.
• Strong understanding of Saudi Personal Finance products, customer segments, competitor propositions, and market dynamics.
• Demonstrated experience managing or enhancing Personal Finance products across the product lifecycle.
• Experience in product strategy, proposition development, pricing, portfolio growth, customer journeys, or product optimization.
• Current knowledge of SAMA responsible lending principles.
• Experience with the SAMA product approval or regulatory submission process is preferred; good working familiarity with Saudi banking regulatory requirements and internal governance is essential.
• Strong understanding of how customer needs, competitive offers, pricing, eligibility criteria, and channel experience influence product value propositions in Saudi Arabia.
• Experience working across business, credit, risk, compliance, operations, digital, and technology functions.
• Proven ability to convert strategy into practical, measurable execution.
• Experience preparing business cases, product proposals, approval papers, management presentations, and executive-level materials.
• Bachelor’s degree in business, finance, economics, banking, or a related discipline. A postgraduate qualification or relevant professional certification is an advantage.

Required Capabilities

• Strong Personal Finance product expertise and deep understanding of the Saudi banking and consumer-finance market.
• Ability to generate meaningful market, customer, and value-proposition insights.
• Familiarity with SAMA requirements and product-governance processes.
• Commercial and customer-focused thinking with hands-on execution capability.
• Structured problem-solving and analytical skills.
• Strong stakeholder-management skills and ability to engage effectively with senior executives and cross-functional delivery teams.
• Clear written and verbal communication.
• Ability to manage ambiguity, establish priorities, and maintain delivery momentum.
• High levels of ownership, accountability, and attention to detail.

Work Environment and Engagement Details

This role is based in Riyadh and requires full-time, on-site presence; it is not a remote or hybrid opportunity. Candidates must be available for a 12-month consulting engagement. Preference will be given to candidates with direct and recent Personal Finance product-management experience in Saudi Arabia. The role requires active involvement in day-to-day delivery and following initiatives through from analysis and decision-making to execution.