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.

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.

• 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

• 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 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

• 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

• 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

• 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

• Prepare and present regular performance and portfolio reports to senior management
• Communicate portfolio trends, risks, and growth opportunities clearly to internal stakeholders
• Suppor…