Commercial Specialist

Purpose

This role offers an exceptional opportunity to shape Ooredoo Money's SME and 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 SME and microlending services.

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 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.

Credit Risk & Portfolio Commercial Management

Own the commercial P&L for Ooredoo Money's SME and Microlending business lines.

Develop and execute scaling strategies to grow loan origination volumes, portfolio size, and revenue contribution.

Analyze credit market trends, competitor positioning, and regulatory dynamics to optimize commercial strategy and maintain competitive advantage.

Manage key institutional relationships and negotiate commercial terms with microlending and SME business partners.

Data Analytics & Commercial Intelligence

Leverage advanced analytics to identify lending opportunities, customer behavior patterns, and credit risk indicators across individual and SME segments.

Build and maintain comprehensive dashboards tracking lending performance, portfolio metrics, commercial KPIs, and early warning indicators.

Conduct deep-dive analyses on borrower data, transaction patterns, and repayment behavior to optimize underwriting criteria and improve loan economics.

Generate actionable insights from lending and SME transaction data to inform commercial strategy, risk management, and market expansion decisions.

Cross-Functional Commercial Coordination

Collaborate closely with technology, risk management, and compliance teams to ensure commercial requirements are integrated into lending platform development.

Draft detailed Business Requirements Documents (BRDs) that translate business objectives into actionable technical, risk, and operational specifications.

Coordinate user acceptance testing (UAT) for lending solutions, ensuring commercial are met before launch.

Market Intelligence & Competitive Analysis

Monitor microlending industry trends, regulatory changes, and competitive developments to inform commercial strategy and product positioning.

Conduct regular analysis of competitor lending offerings, pricing models, underwriting criteria, and market positioning strategies.

Identify emerging fintech lending technologies and assess their commercial viability for Ooredoo Money's ecosystem.

Support strategic decision-making through comprehensive market intelligence and commercial opportunity assessments in the SME financing space.

Stakeholder Communication & Reporting

Prepare and present regular commercial performance reports to senior management, highlighting lending portfolio metrics, SME business performance, and growth opportunities.

Manage stakeholder communications across internal teams and external partners to ensure alignment of commercial objectives and risk management.

Lead commercial discussions with key SME clients, lending partners, and regulatory stakeholders to drive business growth and resolve commercial issues.

Key Performance Indicators (KPIs)

P&L for SME and Microlending Business.

Number of merchants and new partnerships for driving business growth.

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