Strategic Leader, SME & Microlending Growth

Ooredoo Fintech; Doha; On-site; QAR 420,000 - 780,000; Full time

Job summary

Ooredoo Money in Doha seeks a senior Commercial lead to own and scale SME and microlending with strong commercial acumen. You will drive merchant services, business accounts, and value-added offerings, while onboarding key SME partners and negotiating revenue-sharing agreements.

You will manage the commercial P&L, growth of origination volumes, and portfolio metrics, leveraging analytics to optimize underwriting and market expansion.

Qualifications

• Master's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferred
• 8+ years of experience in SME banking, lending business or commercial management within fintech, banking, or digital financial services
• Proven track record of launching financial products and managing commercial P&L responsibility with demonstrated revenue growth in SME services or lending

Responsibilities

• Own the commercial strategy for scaling Ooredoo Money's SME business ecosystem, including merchant services, business accounts, and value-added services
• Identify, evaluate, and commercially onboard SME-focused partners including business solution providers, accounting software companies, and supply chain finance partners
• Negotiate commercial agreements, revenue sharing models, and SLAs with SME ecosystem partners to ensure optimal business outcomes
• Develop and execute go-to-market strategies for SME services, including pricing models, business incentives, and acquisition campaigns
• Coordinate cross-functional teams to ensure seamless integration of SME services while maintaining commercial viability and regulatory compliance
• Own the commercial P&L for Ooredoo Money's SME and Microlending business lines
• Develop and execute scaling strategies to grow loan origination volumes, portfolio size, and revenue contribution
• Analyze credit market trends, competitor positioning, and regulatory dynamics to optimize commercial strategy and maintain competitive advantage
• Manage key institutional relationships and negotiate commercial terms with microlending and SME business partners
• Leverage advanced analytics to identify lending opportunities, customer behavior patterns, and credit risk indicators across individual and SME segments
• Build and maintain comprehensive dashboards tracking lending performance, portfolio metrics, commercial KPIs, and early warning indicators
• Conduct deep-dive analyses on borrower data, transaction patterns, and repayment behavior to optimize underwriting criteria and improve loan economics
• Generate actionable insights from lending and SME transaction data to inform commercial strategy, risk management, and market expansion decisions
• Collaborate closely with technology, risk management, and compliance teams to ensure commercial requirements are integrated into lending platform development
• Draft detailed BRDs that translate business objectives into actionable technical, risk, and operational specifications
• Coordinate user acceptance testing (UAT) for lending solutions, ensuring commercial are met before launch
• Monitor microlending industry trends, regulatory changes, and competitive developments to inform commercial strategy and product positioning
• Conduct regular analysis of competitor lending offerings, pricing models, underwriting criteria, and market positioning strategies
• Identify emerging fintech lending technologies and assess their commercial viability for Ooredoo Money's ecosystem
• Support strategic decision-making through market intelligence and commercial opportunity assessments in the SME financing space
• Prepare and present regular commercial performance reports to senior management, highlighting lending portfolio metrics, SME business performance, and growth opportunities
• Manage stakeholder communications across internal teams and external partners to ensure alignment of commercial objectives and risk management
• Lead commercial discussions with key SME clients, lending partners, and regulatory stakeholders to drive business growth and resolve commercial issues
• P&L for SME and Microlending Business
• Number of merchants and new partnerships for driving business growth
• Customer Satisfaction/Voice of customer score across SME and consumer base

Job description

Ooredoo Money in Doha seeks a senior Commercial lead to own and scale SME and microlending with strong commercial acumen. You will drive merchant services, business accounts, and value-added offerings, while onboarding key SME partners and negotiating revenue-sharing agreements.

You will manage the commercial P&L, growth of origination volumes, and portfolio metrics, leveraging analytics to optimize underwriting and market expansion.