Chief Operating Architect – SME Banking (Payments & Credit Ecosystems)

Job Overview

Chief Operating Architect – SME Banking (Payments & Credit Ecosystems)

Primary Market: Kingdom of Saudi Arabia 🇸🇦

Engagement Model: Full Operational Ownership

Role Purpose

To build and operate a fully integrated SME financial ecosystem, combining:

• Payments
• Credit
• Treasury
• Financial analytics

into a single scalable operating platform.

Operational Domains & KPIs

1. Payments Infrastructure

Ownership: End-to-end transaction lifecycle

KPIs:

• Transaction success rate ≥ 99.95%
• Processing latency < 2 seconds
• Annual transaction growth ≥ 50%

2. SME Credit Engine

Ownership: Lending lifecycle (origination → underwriting → servicing → recovery)

KPIs:

• Default rate within defined risk thresholds
• Approval time < 5 minutes
• Portfolio growth with controlled risk exposure

3. Treasury & Liquidity Systems

Ownership: Capital allocation and liquidity optimization

KPIs:

• Liquidity utilization efficiency improvement ≥ 35%
• Reduced idle capital across SME accounts

4. Customer Platform (SME Interface)

Ownership: End-user financial experience

KPIs:

• SME retention rate ≥ 90%
• Multi-product adoption per SME
• Revenue per SME growth

Execution Expectations

• Build scalable infrastructure supporting hundreds of thousands of SMEs
• Maintain system reliability under peak load conditions
• Align product innovation with regulatory constraints

Regulatory Environment

• Compliance with Saudi Central Bank (SAMA) frameworks
• AML/KYC enforcement across all financial products
• Credit risk governance aligned with national standards

Candidate Profile

• 15–20 years in SME banking, fintech platforms, or financial operations
• Proven ability to operate and scale complex financial systems
• Strong command of both infrastructure and commercial performance

Compensation

• $400,000 – $750,000 annually
• KPI-linked incentives tied to platform growth and financial performance

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