Micro SME Product Manager

Nicfurniture; Dubai; On-site; AED 360,000 - 520,000; Full time

Job summary

Network International in the United Arab Emirates seeks a Product Manager – Digital Onboarding to own the end-to-end merchant onboarding experience across the Middle East, covering Self-Onboarding and RM-Assisted journeys.

The role drives the digital onboarding strategy, roadmap, and execution to onboard merchants quickly, securely, and compliantly while maximizing straight-through processing (STP) and reducing manual intervention.

Qualifications

• 4–8 years of Product Management experience within Banking, Payments, Fintech, Digital Channels, or Merchant Acquiring.
• Strong understanding of merchant onboarding, KYC/KYB, AML screening, underwriting, risk assessment, and compliance processes.
• Proven experience designing and scaling digital onboarding or customer acquisition journeys.
• Experience working with workflow platforms, APIs, OCR solutions, digital identity verification, and document processing technologies.
• Strong analytical skills with experience using funnel analytics and conversion optimization techniques.

Responsibilities

• Own the Digital Merchant Onboarding product roadmap across Self-Onboarding and RM-Assisted channels.
• Define and optimize end-to-end onboarding journeys from lead capture through merchant activation.
• Drive STP initiatives by reducing manual reviews and automating KYC, KYB, underwriting, risk, and compliance checks.
• Partner with Compliance, Fraud, Risk, Credit, Operations, and Sales teams to embed regulatory requirements in onboarding.
• Work with Technology on API integrations, workflow orchestration, digital identity verification, OCR, screening platforms, and core onboarding systems.
• Analyze onboarding funnel performance and identify opportunities to improve conversion and turnaround times.
• Lead backlog prioritization, sprint planning, UAT, release management, and production rollout steps.
• Design and optimize RM tools, queues, follow-up workflows, and lead management processes.

Skills

Product management

Digital onboarding

Agile methods

Stakeholder influence

Data analytics

Cross-functional leadership

Tools

APIs

OCR

Workflow platforms

KYC/KYB tools

Job description

Network International is the largest Financial Technology company in Middle East and Africa. Payments is our core business where we provide services in more than 50 countries – UAE, Jordan, South Africa, Egypt are some of our key markets. Apart from payments, we provide services on Data and Insights, Lending, Insurance, Risk Solutions, etc. Our core customers are businesses at every scale and segment, though recently we are growing in direct to consumer card segment as well.

Our EVP

At Network International, we always stay ahead. In the fast-paced world of financial services, we thrive on innovation, agility, and purposeful collaboration. We invest first in our people, empowering you to make bold decisions, learn fast, and grow your expertise alongside industry leaders. Here, solving complex problems means more than using cutting-edge technology; it’s about creating meaningful value for our customers, together. We foster a culture where trust, accountability, and achievement go hand in hand—because success isn’t just a goal; it’s how we work, every day, as one team.

Job Description:

We are looking for a Product Manager – Digital Onboarding to own the end-to-end merchant onboarding experience across the Middle East, covering both Self-Onboarding (SOB) and RM-Assisted onboarding journeys.

The role will be responsible for driving the digital onboarding strategy, roadmap, and execution, ensuring merchants can onboard quickly, seamlessly, and compliantly while maximizing straight-through processing (STP), minimizing manual intervention, and improving conversion rates.

This role will work closely with Operations, Compliance, Risk, Fraud, Technology, Sales, and Merchant Onboarding teams, partnering directly with the onboarding business owner to transform onboarding into a fully digital, scalable, and customer-centric experience. The role supports initiatives such as OCR, digital KYC/KYB, AML screening, identity verification, digital contract signing, workflow automation, and instant merchant activation.

Responsibilities:

Own the Digital Merchant Onboarding product roadmap across Self-Onboarding and RM-Assisted channels.

• Define and optimize end-to-end onboarding journeys from lead capture through merchant activation.
• Develop product requirements, user stories, process flows, PRDs, and business cases for onboarding enhancements.
• Drive STP initiatives by reducing manual reviews and automating KYC, KYB, underwriting, risk, and compliance checks.
• Partner with Compliance, Fraud, Risk, Credit, Operations, and Sales teams to ensure regulatory and business requirements are embedded in the onboarding journey.
• Work closely with Technology teams on API integrations, workflow orchestration, digital identity verification, OCR, screening platforms, and core onboarding systems.
• Analyze onboarding funnel performance and identify opportunities to improve conversion, approval rates, and onboarding turnaround times.
• Lead backlog prioritization, sprint planning, UAT, release management, and production rollout activities.
• Design and optimize RM tools, queues, follow-up workflows, lead management processes, and assisted onboarding experiences.
• Drive country rollout and localization requirements across Middle East markets.
• Own customer experience throughout onboarding, including application status updates, document collection journeys, rejection handling, and resubmission flows.
• Establish onboarding performance dashboards and regularly review KPIs with business stakeholders.
• Continuously benchmark fintech and banking onboarding best practices to identify innovation opportunities.

Business KPIs

• Merchant acquisition through digital channels
• Self-Onboarding adoption rate
• RM-Assisted onboarding adoption rate

Funnel & Experience KPIs

• Onboarding conversion rate
• Application completion rate
• Journey drop-off reduction
• Merchant turnaround time (TAT)
• Document resubmission rate

Operational KPIs

• Straight-Through Processing (STP) rate
• Manual review reduction
• Approval turnaround time
• Onboarding SLA achievement

Product Delivery KPIs

• Roadmap delivery adherence
• Sprint completion rate
• Successful country rollout execution

Experience / Skills Required:

• 4–8 years of Product Management experience within Banking, Payments, Fintech, Digital Channels, or Merchant Acquiring.
• Strong understanding of merchant onboarding, KYC/KYB, AML screening, underwriting, risk assessment, and compliance processes.
• Proven experience designing and scaling digital onboarding or customer acquisition journeys.
• Experience working with workflow platforms, APIs, OCR solutions, digital identity verification, and document processing technologies.
• Strong analytical skills with experience using funnel analytics and conversion optimization techniques.
• Expertise in Agile product management, backlog prioritization, and cross-functional delivery.
• Ability to influence senior stakeholders across Product, Technology, Operations, Risk, Compliance, and Commercial teams.
• Strong customer-centric mindset with a focus on friction reduction and experience optimization.
• Experience working across multiple markets and regulatory environments is preferred.
• Excellent communication, stakeholder management, and execution skills.