Head of Product

Fortis; Dubai; On-site; AED 600,000 - 1,200,000; Full time

Job summary

Fortis is building an OS for merchants with a greenfield fintech layer. Head of Fintech Products will design and launch payments, payouts, wallets, cards and lending via licensed partners, without balance-sheet risk.

You will lead a lean pod and report to leadership to define direct, measurable outcomes for merchants. You have launched at least two fintech products for merchants on partner rails, understand the full acquiring chain, and can drive economics from data.

Qualifications

• Launched fintech products for merchants/ SMBs on partner rails with economics ownership.
• Understanding of acquiring chain: authorization, clearing, settlement, refunds, chargebacks, reconciliation.
• Experience with transaction-based lending: scoring, settlements, delinquency, lender negotiations.
• Worked with regulated UAE/GCC partners (BaaS, issuers, acquirers) without own licence.

Responsibilities

• Own fintech product map and launches with economics backing.
• Integrate payments, payouts, wallets, cards, and lending into OS flows.

Skills

Fintech product leadership

English proficiency

AI-driven design

Unit economics

Merchant fintech

Job description

We are building the operating system that merchants run their business on. Our next chapter is about the money that flows through it. As Head of Fintech Products, you will open a second revenue line on top of our subscription. You will design and launch payments, payouts, wallets, cards and lending on the rails of licensed partners, with no own licence and no balance-sheet risk. This is a greenfield role in a company that is scaling fast. You will have a clear mandate, direct access to leadership, and the room to build something merchants will feel every day.

What you will do

• Own the fintech product map: decide what launches next and when, backed by clear unit economics for each merchant, product and partner
• Turn payment acceptance into a seamless product inside our OS, covering checkout, tips and split bills, refunds, payouts and reporting
• Launch our first money-movement products, starting with staff and supplier payouts, then wallets and cards
• Prepare partner-led lending, such as cash advances and equipment financing, using real transaction data
• Keep the product partner-agnostic, so we can switch or add partners without rebuilding it
• Make sure every launch has the right licensed partner and legal sign-off
• Build prototypes, models and analysis with AI agents, and lead a lean pod of one PM and one or two engineers

What success looks like

• 30 days: a fintech roadmap and economics model that leadership has signed off
• 60 days: an end-to-end payments flow with clear owners at every step, plus a single OS + payments package price
• 90 days: a recommended payouts partner and scheme, backed by a legal opinion and a list of pilot merchants
• 180 days: payouts live with paying merchants
• 12 months: most active merchants accept payments through FortuneOS, many use two or more fintech products, and a second acquiring partner is live

What we are looking for

• You have launched at least two fintech products for merchants or SMBs on partner rails, and you owned their economics
• You understand the full acquiring chain (authorisation, clearing, settlement, refunds, chargebacks and reconciliation) and can work through it on your own
• You have experience with transaction-based lending: scoring, repayment from settlements, delinquency, and negotiating with lenders
• You have worked with regulated partners in the UAE or GCC, such as BaaS providers, issuers and acquirers, and you know what is possible without a licence
• You build with AI agents and would rather show your work than describe it
• You think in unit economics, give direct answers, and deliver results before asking for a team
• You have working English and are ready to be based in Dubai
• Nice to have: experience in POS or vertical SaaS (especially restaurants), WPS, the KSA market, or Arabic

As part of our recruitment process, we process candidate personal data for recruitment and selection purposes. This may include recording or transcription of interviews, AI-assisted summarisation of interview notes, and storage of candidate information in our applicant tracking system. These tools support our recruitment team and do not make final hiring decisions without human review. We retain candidate information only for as long as necessary for the relevant recruitment process, unless you separately agree that we may keep your details for future opportunities. By submitting your application, you acknowledge that your personal data will be processed in accordance with this notice.