Commercial Specialist - SME & Microlending Business

Purpose

This role offers an exceptional opportunity to shape Ooredoo Money's microlending business strategy while driving significant commercial impact in Qatar's rapidly evolving fintech and small business financing landscape. The successful candidate will combine deep expertise with strong commercial acumen to accelerate our growth across microlending services and SME business.

Context

Ooredoo Financial Services (OFS) is an established operating company in Qatar under the brand name Ooredoo Money , part of OFTI LLC, a dynamic scale-up fintech company. With over 12 years in the market, we combine the heritage and stability of a highly successful founding group with the ambition and passion of a talented team. We provide secure and convenient payment tools that empower everyday people, promoting financial inclusivity for all. Join us for a unique and exciting opportunity to be part of a financial technology revolution, making financial services more accessible, inclusive, and empowering.

Role Accountabilities

Microlending Product Launch & Commercial Ownership

Own end‑to‑end commercial responsibility for microlending products, from concept design through launch, scaling, and maturity

Lead product launch execution, including pricing strategy, customer targeting, value proposition definition, and launch readiness

Define commercial success metrics and post‑launch KPIs to measure adoption, portfolio performance, and profitability

Drive continuous post‑launch optimisation based on portfolio behaviour, customer usage, and repayment trends

SME Business Scaling & Partnership Management

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

P&L Management

Own the commercial P&L for microlending & SME products, ensuring sustainable, risk‑adjusted growth

Develop and execute strategies to scale loan origination volumes, active portfolio size, and revenue contribution

Monitor portfolio health, unit economics, and delinquency trends, proactively identifying performance risks and opportunities

Commercial Analytics & Credit Intelligence

Leverage transaction, behavioural, and repayment data to identify credit performance drivers and early warning indicators

Build and maintain dashboards tracking origination, utilisation, repayment, delinquency, and profitability metrics

Conduct cohort and lifecycle analysis to refine underwriting criteria and improve commercial outcomes

Translate analytical insights into actionable changes in product design, pricing, and eligibility rules

Cross‑Functional Delivery & Partner Management

Collaborate closely with technology, risk, compliance, and operations teams to deliver scalable and compliant microlending & SME solutions

Lead commercial inputs into Commercial Requirements Documents (CRDs) for SME & Lending Partners

Coordinate UAT and pre‑launch validation, ensuring commercial, customer experience, and regulatory requirements are met

Support continuous platform and process improvements to enhance lending efficiency and customer outcomes

Market & Regulatory Intelligence

Monitor developments in digital lending, microlending and SME regulations, and fintech credit models

Analyse competitor products, pricing approaches, and customer propositions

Support strategic decision‑making through structured market and commercial assessments

Stakeholder Communication & Reporting

Prepare and present regular performance and portfolio reports to senior management

Communicate portfolio trends, risks, and growth opportunities clearly to internal stakeholders

Support discussions with external partners and regulators on commercial aspects of all initiatives

Key Performance Indicators (KPIs)

Launch of Microlending Business and scaling of SME Business

P&L for Microlending & SME Business

Number of merchants and new partnerships for driving business growth

Customer Satisfaction/Voice of customer score across consumer and SME base

Experience

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

Minimum Entry Qualifications

6+ years of experience in commercial/business management within fintech, banking, or digital financial service s

Must have launched and scaled a microlending business or proposition for a leading Fintech or Digital Bank

Bachelor's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferred

Personal Profile

Analytical Mindset: Strong analytical and problem-solving skills with ability to translate complex data into actionable commercial strategies

Commercial Focus: Results-driven with proven ability to identify and capitalize on commercial opportunities

Collaboration Skills: Excellent cross-functional collaboration abilities with experience working in fast-paced, regulated environments

Communication Excellence: Outstanding verbal and written communication skills with ability to present complex commercial and risk concepts to diverse stakeholders

Innovation Drive: Passion for financial inclusion, lending innovation, and staying ahead of industry trends in microlending and SME financing

Adaptability: Comfortable working in dynamic regulatory environments with ability to manage multiple commercial initiatives while ensuring compliance

Integrity: Demonstrates highest standards of ethics and integrity in all commercial dealings, especially in lending and customer financial welfare

Customer-Centric: Strong focus on understanding borrower and SME needs while translating them into commercially viable and responsible lending solutions