Job Overview
Regional Chief Officer – Embedded Finance Infrastructure & Intelligent Merchant Banking Ecosystems
Riyadh, Saudi Arabia
A rapidly expanding Gulf fintech ecosystem transforming the future of embedded banking, merchant finance, and intelligent transaction infrastructure is seeking a highly accomplished Regional Chief Officer – Embedded Finance Infrastructure & Intelligent Merchant Banking Ecosystems to lead one of the region’s most ambitious financial integration and commerce modernization programs.
This executive opportunity is designed for visionary fintech professionals capable of building highly scalable financial ecosystems where banking services become seamlessly embedded into digital commerce, logistics, retail, mobility, hospitality, and enterprise software environments.
The organization is aggressively investing in next-generation embedded finance architecture capable of supporting millions of merchants, digital consumers, SME ecosystems, subscription commerce platforms, and enterprise transaction networks across regional and international markets.
The selected executive will oversee the transformation of fragmented merchant finance operations into intelligent, API-driven, cloud-native financial ecosystems powered by predictive analytics, real-time payment orchestration, adaptive lending systems, and AI-enhanced commercial intelligence.
Strategic Executive Overview
The Regional Chief Officer will lead enterprise-wide embedded finance modernization initiatives involving merchant banking platforms, digital wallet ecosystems, API-first transaction infrastructure, intelligent financing engines, and enterprise-scale payment orchestration systems.
This role combines executive fintech strategy, infrastructure modernization, digital commerce integration, operational intelligence, customer financial ecosystems, and enterprise growth leadership within a rapidly evolving digital economy.
Core Responsibilities
- Lead enterprise embedded finance expansion initiatives across regional digital commerce ecosystems.
- Design scalable merchant banking infrastructure supporting payments, financing, reconciliation, and treasury operations.
- Build API-first financial ecosystems integrating banking capabilities into third-party digital platforms.
- Develop intelligent merchant analytics systems supporting transaction optimization and financial forecasting.
- Oversee embedded lending and SME financing modernization initiatives.
- Implement AI-powered merchant intelligence frameworks improving customer engagement and operational efficiency.
- Coordinate cloud-native modernization involving payment orchestration and merchant transaction infrastructure.
- Guide interoperability initiatives connecting banks, fintech platforms, and enterprise commerce systems.
- Collaborate with cybersecurity teams to strengthen merchant financial protection and operational resilience.
- Supervise digital onboarding ecosystems supporting scalable merchant acquisition and verification.
- Lead strategic partnerships involving payment processors, retail ecosystems, logistics providers, and enterprise platforms.
- Mentor multidisciplinary engineering, analytics, operations, product, and financial infrastructure teams.
Candidate Profile
- Bachelor’s or Master’s degree in Financial Technology, Digital Commerce, Banking Systems, Computer Science, or related field.
- 12–18 years of experience across embedded finance, merchant banking, payments infrastructure, or enterprise fintech ecosystems.
- Strong expertise in API-driven financial systems, digital payment architecture, and merchant finance platforms.
- Deep understanding of cloud-native transaction ecosystems and intelligent financial orchestration.
- Experience leading large-scale digital finance modernization and platform scalability initiatives.
- Familiarity with AI-driven operational analytics and customer financial intelligence systems.
- Exceptional executive leadership and enterprise growth management capabilities.
- GCC fintech ecosystem exposure strongly preferred.
Specialized Technical Expertise
- Embedded finance ecosystems
- Merchant banking infrastructure
- API-first financial architecture
- Intelligent transaction orchestration
- Digital commerce finance platforms
- AI-powered merchant analytics
- Cloud-native fintech infrastructure
- Embedded SME financing
- Enterprise payment ecosystems
- Financial interoperability frameworks
Executive Benefits & Incentives
- Elite tax-free executive compensation structure
- Long-term innovation and growth incentives
- Premium healthcare and executive wellness coverage
- Housing and mobility support
- Participation in global embedded finance innovation forums
- Exposure to multinational digital commerce ecosystems
- Leadership acceleration and executive mentorship programs
- Significant long-term strategic career advancement opportunities
Are you excited about this opportunity?
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