Job Overview
Group Director – Embedded Finance & Digital Lending Strategy
Location: Riyadh, Saudi Arabia
Industry: Fintech | Embedded Finance | Digital Lending | Banking Innovation
Employment Type: Full-Time
Work Model: Executive Leadership | Strategic Financial Transformation
Role Overview
A rapidly expanding financial technology ecosystem in Riyadh is seeking a highly accomplished Group Director – Embedded Finance & Digital Lending Strategy to lead enterprise-wide innovation across lending infrastructure, embedded financial products, digital credit ecosystems, and next-generation financing platforms.
This is a high-impact executive opportunity for a senior fintech strategist who understands how modern financial services are evolving beyond traditional banking models. The successful candidate will be responsible for designing scalable lending frameworks embedded directly into digital commerce, B2B ecosystems, merchant platforms, and institutional transaction environments.
The ideal professional will possess extensive expertise in credit architecture, digital lending platforms, risk-linked lending systems, BNPL ecosystems, merchant financing, API-based finance, and financial product commercialization across highly regulated GCC markets.
This role requires exceptional strategic leadership capable of balancing growth, compliance, customer trust, and long-term profitability while building future-ready lending ecosystems for enterprise and consumer segments alike.
Key Responsibilities
- Define and execute enterprise strategy for embedded finance products, digital lending solutions, merchant financing, and credit infrastructure modernization
- Lead product architecture for SME lending, BNPL frameworks, invoice financing, virtual credit products, and API-driven lending ecosystems
- Build scalable customer acquisition and credit lifecycle frameworks across onboarding, underwriting, approval, servicing, and collections
- Collaborate with compliance, legal, and regulatory teams to ensure alignment with Saudi financial regulations and institutional governance standards
- Drive partnerships with banks, payment processors, marketplaces, enterprise platforms, and ecosystem providers to expand embedded finance adoption
- Optimize lending profitability through pricing strategies, risk controls, portfolio monitoring, and operational efficiency improvements
- Oversee digital underwriting models, customer risk segmentation, fraud prevention controls, and credit decision engines
- Establish executive governance frameworks for lending performance, default monitoring, portfolio health, and strategic reporting
- Support expansion into cross-border lending opportunities and institutional credit partnerships
- Lead senior teams across product, operations, compliance, treasury, and financial strategy functions
Required Qualifications
- Bachelor’s degree in Finance, Economics, Financial Technology, Business Administration, or related discipline
- MBA or postgraduate qualification in banking, strategy, or financial services strongly preferred
- 10+ years of senior leadership experience within lending, fintech, banking, or financial product strategy
- Strong expertise in lending platforms, underwriting systems, merchant finance, and digital credit infrastructure
- Deep understanding of embedded finance models, open banking, API ecosystems, and customer financial journeys
- Strong knowledge of regulatory expectations, governance models, and financial risk frameworks within GCC markets
- Proven ability to lead high-value financial transformation initiatives
- Excellent executive communication and stakeholder management capabilities
Preferred Expertise
- Embedded lending ecosystems
- Merchant finance infrastructure
- BNPL product governance
- SME digital financing
- Credit scoring architecture
- Treasury-linked lending operations
- Open finance strategy
- Lending portfolio optimization
Compensation & Benefits
- Executive-level compensation structure
- Annual strategic leadership bonus
- Housing and relocation allowance
- Family medical insurance and executive benefits
- Long-term progression toward regional C-suite leadership
- Participation in international fintech leadership forums
- Strategic exposure to national financial transformation programs
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