Job Overview

Director – Embedded Finance Ecosystems & SME Lending Platforms

Target Market: Sultanate of Oman

Work Structure: Remote | Strategic Program Leadership

Functional Vertical: Embedded Finance, SME Credit, Lending Platforms

Format: End-to-End Ecosystem Blueprint

1. Vision Statement

This role is built around a singular objective:

To design and scale a fully integrated embedded finance ecosystem, enabling SMEs to access frictionless credit, payments, and financial services directly within their operational platforms.

The Director will lead the creation of contextual financial services, where lending and payments are seamlessly embedded into digital workflows.

2. Ecosystem Architecture Responsibilities

• Design API-first embedded finance platforms for integration with ERP, e-commerce, and SaaS systems.

• Build SME lending engines powered by alternative data and AI-driven credit scoring.

• Develop real-time decisioning systems for loan approvals and disbursements.

• Integrate payment orchestration layers for seamless transaction flows.

3. Credit & Risk Innovation

• Construct non-traditional credit models using transactional, behavioral, and supply chain data.

• Implement dynamic risk pricing engines adjusting to borrower profiles in real time.

• Design portfolio monitoring systems for early risk detection and mitigation.

4. Platform Engineering & Data Strategy

• Architect scalable backend systems supporting high-volume SME onboarding.

• Develop data pipelines for financial and operational data ingestion.

• Enable open banking integrations for financial data aggregation.

5. Market Deployment Strategy

• Identify high-impact SME sectors for embedded finance penetration.

• Develop partnership models with digital platforms and marketplaces.

• Drive adoption through ecosystem-led distribution strategies.

6. Regulatory & Compliance Integration

• Align lending platforms with Oman’s financial regulations and credit frameworks.

• Ensure compliance with KYC, AML, and consumer protection standards.

• Build transparent lending systems with audit-ready reporting capabilities.

7. Leadership Scope

• Lead cross-functional teams across product, engineering, risk, and partnerships.

• Define long-term strategy for embedded finance expansion.

• Influence regional fintech ecosystem development.

8. Candidate Profile

• 10–14 years in fintech, lending platforms, or financial product leadership.

• Strong expertise in SME finance, credit systems, and embedded finance models.

• Experience scaling digital financial platforms in emerging markets.

• Deep understanding of data-driven lending and financial inclusion strategies.

9. Compensation & Strategic Upside

• Director-level remote compensation aligned with Oman fintech benchmarks.

• Incentives tied to loan portfolio growth and platform adoption metrics.

• Strategic role in shaping next-generation SME financial ecosystems.

Are you excited about this opportunity?

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