Job Overview
Remote Lead Architect of AI-Driven SME Credit & Factoring Marketplace – Kuwait
Sector Focus: SME Finance Innovation | Embedded Factoring Engines | Real-Time Credit Marketplaces
Location: Remote | Aligned with Kuwait Vision 2035 and SME Authority’s Digital Access Goals
Employment Type: Full-Time | Marketplace Infrastructure Leadership | Remote with Stakeholder Alignment in Kuwait City
Compensation: KWD Core Technology Equity + Embedded Finance Transaction Royalties + Digital SME Lending IP Ownership
Strategic Rationale
Kuwait’s economic diversification hinges on its ability to digitally empower underserved SMEs, many of which struggle to access reliable short-term liquidity. This remote-first role defines the architecture of a fully digital SME credit and factoring marketplace, matching invoice-heavy businesses with AI-qualified liquidity providers in real time—beyond traditional banking constraints.
Strategic Imperatives
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Build a real-time credit assignment engine that uses AI to analyze invoice authenticity, contract stability, buyer reliability, and SME cash flow volatility.
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Construct an automated marketplace that matches SMEs with licensed lenders, factoring houses, and liquidity funds based on real-time creditworthiness and pricing algorithms.
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Enable programmatic invoice discounting through smart contracts with configurable terms: net-15, net-30, risk-adjusted APY, early settlement bonuses.
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Integrate with Kuwait’s Unified Invoice Network (under construction) to create a nationwide ledger of business-to-business invoice flows.
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Deploy privacy-preserving ML pipelines to train creditworthiness models using alternative data: telco signals, POS activity, VAT registration data, utility bill payments, and cross-border remittance volumes.
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Interface with the Kuwait SME Authority, Central Bank, and Investment Promotion Agency to ensure full compliance with national fintech and lending directives.
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Build onboarding toolkits for SMEs: multilingual dashboards, real-time KYC, Shariah-compliant factoring modules, and access to legal dispute resolution APIs.
Candidate Profile
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10+ years in SME finance innovation, embedded lending platforms, or invoice financing ecosystems.
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Strong grasp of Arabic-speaking SME dynamics, trade credit models, and working capital liquidity structures.
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Deep experience in AI/ML pipelines for credit evaluation or embedded risk underwriting.
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Familiarity with Kuwaiti fintech and digital banking policies, especially SME-related mandates under Vision 2035.
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Bonus: knowledge of Gulf factoring laws and Shariah-compliant invoice finance protocols.
Why Kuwait?
Kuwait is turning its oil-rich legacy into a digital entrepreneurial powerhouse. As the architect of AI-powered SME credit liquidity, you help democratize financial access for thousands of businesses across sectors—from anywhere in the world, without sacrificing faith or regulatory alignment.
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.
Let’s shape the future of finance together!
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#NowHiring #FinancialServices #FXIndustry.
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