Commercial Lead - Digital Credit

VodafoneThree; Doha; Sur place; QAR 180 000 - 360 000; Plein temps

Résumé du poste

VodafoneThree is seeking a strategic leader to own the Digital Credit Product Commercial P&L, drive GMV, revenue and margins, and partner with Finance on forecasts. You will define the product proposition across customer, merchant and channel journeys, and build a prioritized roadmap with Technology and Operations.

You will shape the commercial Go-to-Market across channels. This role requires strong cross-functional collaboration, market insight, and a track record of driving growth while

Qualifications

Responsabilités

• P&L ownership of the Digital Credit Product Commercial P&L including GMV, revenue, costs and margins.
• Forecasts, budgets and performance updates with Finance.
• Own product proposition across customer, merchant and channel journeys.
• Define parameters, features and market positioning based on customer needs.
• Maintain a prioritized roadmap with Technology and Operations.
• Develop the commercial plan across segments, categories, channels, pricing and growth.
• Translate annual targets into quarterly acquisition, activation and revenue plans.
• Balance growth with portfolio quality and capacity.
• Define merchant value proposition and onboarding framework.
• Support merchant acquisition, negotiations and commercial proposals.
• Prioritize merchants by GMV, margin, risk and strategic value.
• Monitor merchant performance and recommend actions.
• Own the customer funnel from eligibility through first purchase and activation.
• Develop targeted campaigns with Marketing, CRM, merchants and distribution channels.
• Improve conversion while maintaining responsible lending and affordability.
• Monitor GMV, active customers, approval rate, utilization, ticket size, merchant concentration and revenue.
• Develop launch plans across digital channels and partnerships.
• Coordinate product communications, merchant campaigns and customer education.
• Ensure claims and campaigns receive Compliance approvals.

Description du poste

• P&L Ownership: Own the Digital Credit Product Commercial P&L, including GMV, revenue, merchant discount rate, transaction costs, credit losses, acquisition costs and contribution margin. Prepare forecasts, budgets and performance updates with Finance.

• Product Proposition:Own the product proposition across customer, merchant and channel journeys. Define product parameters, features and market positioning based on customer needs and commercial viability. Maintain a prioritized product roadmap with Technology and Operations.

• Commercial Strategy:Develop the commercial plan covering target customer segments, merchant categories, channels, pricing and growth priorities. Translate annual targets into quarterly acquisition, activation, transaction and revenue plans. Balance growth objectives with portfolio quality and operational capacity.

• Merchant Proposition and Partnerships:Define the merchant value proposition and commercial onboarding framework. Support merchant acquisition, negotiations and commercial proposals. Prioritize merchants based on GMV potential, customer relevance, margin, credit risk and strategic value. Monitor merchant performance and recommend expansion, renegotiation or corrective action.

• Customer Growth and Activation:Own the commercial customer funnel from eligibility and approval through first purchase, repeat usage and reactivation. Develop targeted campaigns with Marketing, CRM, merchants and distribution channels. Improve conversion while maintaining responsible-lending and affordability requirements.

• Portfolio and Commercial Performance:Monitor GMV, active customers, approval rate, utilization, average ticket, merchant concentration, repeat usage, revenue and margin.

• Go-to-Market Execution:Develop launch and growth plans across digital channels, merchant checkout, retail and strategic partnerships. Coordinate product communication, merchant campaigns and customer education. Ensure commercial claims and campaigns receive the required Compliance approvals.