Job Overview
Head of SME Digital Banking & Fintech Transformation – Remote (Qatar)
Location: Remote — Focused on SME development in coordination with QDB (Qatar Development Bank) and QFTH (Qatar Fintech Hub)
Seniority Level: Department Head / Strategic SME Digitalization Architect
Specialization: SME Neobanking / Digital Credit Infrastructure / Fintech-led Financial Inclusion
Languages: English and Arabic (both required)
Sector: Fintech / SME Development / Digital Credit Systems / Inclusive Finance
Position Summary:
In Qatar’s ongoing national mission to empower small and medium-sized enterprises (SMEs) and entrepreneurs, a strategic need has emerged for a remote Head of SME Digital Banking & Fintech Transformation. This role is positioned to drive the design, deployment, and expansion of fully digital banking platforms tailored to SMEs — from onboarding and credit scoring to working capital financing, supplier payments, and trade facilitation — all delivered through intelligent, API-driven fintech architectures.
The candidate will be responsible for crafting a multi-vertical SME finance ecosystem that blends digital onboarding, open banking, real-time credit scoring, and embedded B2B finance tools — aimed at closing Qatar’s SME credit gap and automating growth enablers.
Key Duties:
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Architect end-to-end SME neobanking platforms with tiered digital onboarding, transaction-based credit modeling, and supply chain payment rails.
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Design embedded finance modules that offer invoice financing, dynamic credit limits, and AI-based risk grading.
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Collaborate with QDB and Qatar FinTech Hub to establish a federated SME identity and data consortium for seamless onboarding.
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Oversee integration of B2B marketplaces, payment gateways, and ERP software with neobanking tools to serve SME needs.
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Build intelligent savings, insurance, and cross-border tools that assist SMEs in managing risk and accessing global supply chains.
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Implement regulatory compliance layers for QCB sandbox integration, open banking frameworks, and PSD2-equivalent data protection.
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Guide digital inclusion campaigns to increase adoption among women-owned enterprises, rural SMEs, and micro-traders.
Required Qualifications:
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10+ years in SME banking transformation, fintech platform architecture, or financial inclusion technology.
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Proven experience designing digital banking infrastructure for SMEs in emerging markets.
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Technical knowledge of open banking protocols, API aggregation, and digital KYC for commercial clients.
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In-depth understanding of Qatar’s SME finance strategy, QCB regulatory landscape, and Qatar Vision 2030.
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Graduate degree in SME Finance, Digital Banking Strategy, or Financial Innovation.
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