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 services 
• 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