Business Development Manager - BNPL - Fintech

Aroma City Group; Saudi Arabia; On-site; SAR 150,000 - 200,000; Full time

Job summary

A leading financial services firm in Saudi Arabia is seeking a Business Development Manager to own P&L performance and deliver financial insights. The ideal candidate has 5-10 years of experience in BNPL or fintech, and a strong analytical background, particularly in financial modeling. Key responsibilities include partnering with risk analysis teams and supporting commercial strategies. Competitive salary between SAR 35K to 38K for the right candidate.

Qualifications

• 5–10 years experience ideally in BNPL and/or fintech.
• Strong analytical capabilities with financial models expertise.

Responsibilities

• Own P&L performance and portfolio quality analysis.
• Deliver GMV and revenue forecasts.
• Partner with Risk to analyze approval rates and trends.

Skills

Analytical capability

Mastery of Microsoft Excel

Mastery of Power BI

Understanding of credit lifecycle analytics

SQL experience

Education

Bachelor's degree in Business, Finance, Marketing, Economics, or related field

MBA preferred

Job description

Business Development Manager - BNPL - Fintech

Posting Date: 24/11/2025

Ref: TSK114

Position: Business Development Manager - BNPL - Fintech

Location: KSA

City: Khobar

Sector: Financial Services

Years of Experience: 5–10 years experience ideally in BNPL and/or fintech

Qualification: Bachelor's degree in Business, Finance, Marketing, Economics, or related field; MBA preferred.

Salary: Salary range is SAR 35K to 38K

Workdays:

Key Duties and Responsibilitiesh3>

• Own P&L performance, portfolio quality, pricing, forecasting, ECL, and support decision-making across Risk, Product, Commercial, and Operations.
• Build and maintain the BNPL P&L model, including revenue, MDR, fees, incentives, and credit losses.
• Deliver monthly and quarterly GMV forecasts, revenue forecasts, and contribution margin analysis.
• Partner with Risk to analyze approval rates, risk segments, delinquency trends, and fraud patterns.
• Provide insights that balance approvals vs NPL; simulate policy or scorecard changes and forecast impact.
• Monitor performance of the Decision Engine and credit scorecard.
• Analyze approval impact, model drift, and rule effectiveness.
• Provide data to Product & Risk for limit assignment, merchant-level risk, and user segmentation.
• Analyze repayment success rates, failed payment patterns, collection efficiency (D0 → D90).
• Analyze merchant-level GMV, MDR profitability, category contribution, and churn.
• Support Commercial team with merchant pricing, category forecasts, and performance tracking.
• Partner with marketing/commercial to build the GTM plans and build ROI models for co-marketing initiatives.
• Manage overall marketing and promotional budgets.
• Partner with Analytics for funnel performance, conversion, drop-offs, checkout performance, and feature adoption.
• Partner with Product to run A/B test analysis, retention cohort analysis, and user segmentation.
• Provide actionable insights to improve user onboarding, approval flow, repayment success, and repeat behavior.
• May perform other duties as directed and required.

Minimum Qualification

• Bachelor’s degree in Business, Finance, Marketing, Economics, or related field; MBA preferred.
• 5–10 years experience ideally in BNPL and/or fintech.

Technical Competencies

• Strong analytical capability, mastery of Microsoft Excel and Power BI and ability to build financial/forecasting models. SQL experience is a plus.
• Deep understanding of credit lifecycle analytics: vintages, roll rates, risk segmentation.