Job Overview
Head of Micro-Enterprise Fintech & Small Business Embedded Finance
Location: Ajman, UAE
Department: SME Development & Inclusive Fintech
Reports to: Ajman Department of Economic Development**
Department: SME Development & Inclusive Fintech
Reports to: Ajman Department of Economic Development**
The Mission: Ajman is the UAE’s smallest emirate but its most entrepreneurial. 35,000+ small businesses operate here—tailors, restaurants, construction firms, trading companies—many owned by South Asian expatriates with limited access to formal banking. The UAE’s major banks focus on corporate clients and high-net-worth individuals. Ajman’s businesses need financial services built for their scale.
You will build Embedded Finance for the UAE’s Small Business Ecosystem—creating tools that integrate banking, payments, credit, and insurance into the software and marketplaces these businesses already use.
Your Mandate:
The Ajman Business Stack (0-12 months)
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Build “Ajman Pay”—a unified payment, invoicing, and tax compliance platform for small businesses, integrated with UAE’s Federal Tax Authority and Ajman’s business licensing system
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Create “Micro-Credit Engine”—AI-powered lending using alternative data (POS transactions, utility payments, social reputation) to extend credit to businesses without traditional collateral
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Design “SME Insurance”—parametric coverage for business interruption, equipment failure, and liability, priced and settled automatically based on data feeds
The Embedded Layer (12-24 months)
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Launch “Ajman Business OS”—a super-app combining accounting, payroll, inventory, payments, and financing, with Shariah-compliant options for Muslim business owners
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Build “Supply Chain Micro-Finance”—instant working capital for Ajman businesses supplying larger UAE corporates, with repayment automatically deducted from invoice settlements
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Create “Migrant Entrepreneur Finance”—specialized services for expatriate business owners, including remittance-integrated savings, cross-border tax optimization, and repatriation planning
The National Model (24-36 months)
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Package Ajman’s SME fintech as a template for all UAE emirates, contributing to the national goal of 75% SME contribution to non-oil GDP
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Build “UAE Small Business Credit Bureau” using alternative data, enabling 100,000+ businesses to build credit histories for the first time
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Prove that small business finance is not small—it is the foundation of economic diversification
The Profile: You have built fintech products for small businesses in emerging markets. You understand that a Pakistani tailor in Ajman needs different tools than a British consultant in Dubai. You have worked with microfinance, SME banking, or embedded finance platforms. You believe that financial inclusion drives economic growth, and you want to prove it in the UAE’s most diverse emirate.
Are you excited about this opportunity?
Don’t miss the chance to make a difference in the fintech and FX industry!
Apply now by clicking on the “Apply Now” button below.
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