Business Analyst & Product Lead (MSME) Financing

Hakeem Fintech Limited; Islamabad; On-site; PKR 2,000,000 - 3,000,000; Full time

Job summary

Hakeem Fintech Limited is expanding into MSME financing and seeks a Business Analyst & Product Lead to design and launch a profitable MSME financing product from scratch, including unit economics and risk rules to enable a scalable go-live.

You will work cross-functionally with Tech, Ops, Risk and Finance to build processes for loan origination, disbursement, collections, and regulatory safeguards, ensuring go-live readiness and measurable impact.

Qualifications

• 2–5 years experience in fintech product design, lending, or MSME finance.
• Hands-on end-to-end product development from concept to go-live.
• Strong understanding of unit economics, credit risk, and collections flow.
• Comfortable working cross-functionally with Tech, Ops, Risk, Finance.

Responsibilities

• Design end-to-end MSME financing product and define underwriting rules.
• Define unit economics and contribution margin targets.
• Collaborate with Sharia, Tech and Ops to build origination, disbursement, and collections flows.
• Embed credit and regulatory safeguards with Risk & Compliance.
• Conduct market research on MSME needs, competitors and viable segments.
• Build dashboard and metrics framework for P&L, disbursements, and defaults.
• Ensure go-live readiness including pilot testing and partner integration.

Skills

Fintech product design

Lending

MSME finance

Cross-functional collaboration

Job description

Business Analyst & Product Lead (MSME) Financing

Reporting: Head of Finance & Compliance
Dotted Reporting: CEO
Location:Islamabad- Pakistan

Role Overview

WFS is expanding into MSME financing, a new revenue stream. This role exists to create, structure, and launch a profitable MSME financing product from scratch, including unit economics, risk rules, and operational flow, so that once live, a business lead can scale it.

Core Responsibilities

• Design end-to-end MSME financing product: underwriting rules, credit limits, pricing, tenure, and repayment models
• Define unit economics & contribution margin targets for the product
• Collaborate with Sharia, Tech & Ops to build systems and flows for loan origination, disbursement, and collections
• Work with Sharia, Risk & Compliance to embed credit & regulatory safeguards
• Conduct market research to identify MSME needs, competitors, and viable segments
• Build dashboard & metrics framework to track P&L, disbursements, collections, and defaults
• Ensure go-live readiness, including pilot testing, partner integration, and operational SOPs

Ideal Profile

• 2–5 years experience in fintech product design, lending, or MSME finance
• Hands-on in building products end-to-end (from concept to go-live)
• Strong understanding of unit economics, credit risk, and collections flow
• Comfortable working cross-functionally (Tech, Ops, Risk, Finance)

Short-Term KPIs (0–90 / 180 Days)

• Conduct pilot test with X MSMEs and document learnings
• Ensure product is regulatory & Shariah compliant
• Define unit economics to ensure positive contribution margin at launch

Long-Term KPIs (6–18 Months)

• Product live with first disbursements to MSMEs
• Provide repeatable SOPs & playbooks for business lead to scale
• Support integration with digital channels, payment partners, and collections
• Deliver product within planned timeline & budget