Commercial Lead - Digital Credit

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.