Job Overview
Executive Designer of Digital Microfinance & Financial Access Systems – Remote (Oman)
Location: Remote — Strategically integrated with Oman’s National Financial Inclusion Strategy and digital banking roadmap
Seniority Level: Executive / Financial Access Architect / Digital Microfinance Innovator
Specialization: Microfinance Infrastructure / Fintech for Underserved Markets / Inclusive Banking Design
Languages: English (mandatory), Arabic (essential)
Sector: Fintech / Financial Inclusion / Digital Credit / Development Finance
Role Summary:
As Oman accelerates its National Financial Inclusion Strategy and embraces decentralized, citizen-focused digital innovation, the demand for accessible financial infrastructure has never been more urgent. A new remote Executive Designer of Digital Microfinance & Financial Access Systems is now sought to lead the design of scalable, ethical, and adaptive microfinance ecosystems for Omani micro-entrepreneurs, rural traders, and informal workers.
This is not a conventional banking role — it’s about reimagining access. From AI-powered nano-loans to mobile-first rotating savings platforms, you will architect the full lifecycle of digital microcredit, savings circles, asset-building wallets, and social credit scoring — all deeply localized and digitally native.
Primary Responsibilities:
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Build AI-assisted nano-credit engines with behavioral and community-based risk models, targeting those outside of formal banking systems.
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Design wallet-integrated micro-savings and goal-based financial planning tools for low-income earners and women-led households.
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Develop mobile-first group lending tools, digital ROSCAs (Rotating Savings & Credit Associations), and asset-backed microleasing platforms.
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Establish interoperability layers with national ID systems, mobile operators, and telco APIs to enable frictionless onboarding.
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Integrate Islamic microfinance models (qard al-hasan, mudarabah) and develop Shariah-compliant micro-insurance/takaful modules.
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Collaborate with the Central Bank of Oman and local development institutions to ensure licensing, credit reporting, and consumer protection alignment.
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Embed real-time literacy gamification, nudging modules, and culturally intuitive UX flows for unbanked populations.
Ideal Background:
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10+ years in microfinance systems, inclusive fintech design, or social credit platform development.
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Deep experience working with rural or underserved communities in the GCC or Global South.
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Fluent in Arabic with demonstrated understanding of Omani socioeconomic dynamics.
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Master’s degree in Development Finance, Behavioral Economics, or Financial Technology for Inclusion.
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