# Director, Credit Product Lead for CEMEA

**Company**: Visa
**Location**: Dubai, AE
**Experience**: senior
**Job type**: full-time
**Category**: Product Management
**Industry**: Finance

**Apply**: https://visa.wd5.myworkdayjobs.com/en-US/Visa/job/AE---Dubai-United-Arab-Emirates/Director---Credit-Product-Lead--CEMEA_REF090201W?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/job/director-credit-product-lead-for-cemea-61adbff7-677/

## Description

Visa is seeking a Director, Credit Product Lead for CEMEA to define and lead the regional credit product agenda across Central Europe, Middle East and Africa.

The role will work closely with Regional and market leadership, Product, Advisory, Analytics, Risk and other cross-functional partners to accelerate sustainable credit growth across a highly diverse set of markets.

Key Responsibilities:

- Own and drive the CEMEA credit product strategy, including market prioritization, segment choices, product roadmap and commercial model with a three-to-five-year growth agenda.

- Drive multiple levers of credit growth across diverse CEMEA markets, spanning countries with established/ mature credit businesses as well as emerging but high potential markets.

- Accelerate credit adoption across emerging markets by enabling new-to-credit consumers and issuers through innovative and non-traditional credit products and propositions.

- Support clients with the capabilities required to build, launch and scale sustainable credit businesses, including proposition design, acquisition, underwriting and portfolio strategy driving usage and risk-adjusted profitability.

- Develop structured client upskilling programs that combine Visa expertise, data, advisory support, playbooks and market best practices, tailored to the maturity and regulatory context of individual CEMEA markets.

- Build market-level opportunity assessments and business cases using consumer research, Visa data, competitive intelligence, portfolio economics and regulatory insights; convert these into clear investment and execution priorities.

- Partner with Country Management, Sales, Product, Visa Consulting and Analytics, Risk, Marketing, Finance, Legal, Government Engagement and regional product teams to secure alignment and deliver coordinated execution.

- Engage senior client stakeholders at financial institutions/fintechs, regulators and ecosystem partners to identify barriers to credit expansion and develop scalable solutions.

- Establish performance metrics and governance for the regional credit agenda, track pipeline and portfolio outcomes, and provide regular updates and recommendations to CEMEA leadership.

- Act as a trusted advisor and subject-matter expert on card and payments-linked credit, sharing global and regional best practice and representing CEMEA in global credit product forums.

Qualifications:

- 12 or more years of experience including 5+ years building and managing cards and payments-linked credit businesses, with accountability for strategy, product development, portfolio performance and commercial outcomes.

- Deep understanding of the credit value chain, including customer segmentation, proposition design, acquisition, underwriting, portfolio and line management, pricing, activation, engagement, collections, risk and profitability.

- Strong knowledge of payments economics and lending business P&L; experience across multiple CEMEA markets or comparable emerging and developed markets is highly desirable.

- Proven ability to translate strategy into market-level execution.

- Strong client leadership and executive communication skills, with the ability to influence senior internal and external stakeholders across different cultures and market contexts.

- Strategic thinking, strong analytical capability and financial acumen, with confidence using data to frame opportunities, make trade-offs and measure outcomes.

- Track record of leading complex, cross-functional initiatives in a matrixed organization and delivering against demanding timelines.

- Self-directed, collaborative and comfortable operating in a fast-paced, evolving environment with a broad regional remit.

- Bachelor’s degree required; an MBA or other relevant postgraduate qualification is preferred.

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## Skills

### Required
- credit product strategy
- market prioritization
- product roadmap
- commercial model
- credit growth
- payments economics
- lending business P&L
- client leadership
- executive communication
- strategic thinking
- analytical capability
- financial acumen

### Nice to have
- MBA
- relevant postgraduate qualification

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Source: [Apply at visa.wd5.myworkdayjobs.com](https://visa.wd5.myworkdayjobs.com/en-US/Visa/job/AE---Dubai-United-Arab-Emirates/Director---Credit-Product-Lead--CEMEA_REF090201W?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)