Job Overview
Remote Director of Embedded Finance Innovation for SMEs – UAE
Domain Focus: API-Embedded Lending | BNPL for B2B | ERP-Integrated Financing | Islamic Credit Workflows
Location: Remote | Based on the UAE’s Vision for a Future-Proof Digital SME Economy
Employment Type: Full-Time | Fintech Venture-Building Role | Remote with Abu Dhabi + Dubai Accelerator Access
Compensation: AED Leadership Package + Product Licensing Income + Access to DIFC Regulatory Interface
Mandate and Market Context
The UAE is home to over 350,000 active SMEs, yet less than 10% have access to formal credit lines. With the government driving a smart trade, e-invoicing, and digital payment ecosystem, there is now a pressing opportunity to build a remote-first embedded finance engine, empowering UAE SMEs to access capital within the very tools they already use—ERP platforms, digital storefronts, logistics platforms, and accounting suites.
Key Responsibilities
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Architect a modular embedded finance platform offering real-time, API-triggered microloans, invoice factoring, and Shariah-compliant financing, embedded directly in SME digital tools.
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Partner with ERP and POS software vendors to insert credit decisioning widgets and dynamic repayment logic at the point of transaction.
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Integrate Islamic lending logic (mudarabah, ijarah, murabaha) into financing products, ensuring faith-compliant borrowing pathways for all SMEs.
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Leverage AI models to underwrite SMEs based on transaction history, supplier relationships, VAT filings, and cashflow patterns.
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Deploy a dashboard for financial wellness and credit education, gamifying financial discipline among small business owners.
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Collaborate with regulators at DIFC, ADGM, and UAE Central Bank to align with SME financing policies, fintech licensing, and DLT laws.
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Offer open APIs for fintechs, banks, and government funds to plug into the embedded finance engine, amplifying SME credit distribution.
Your Profile
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10+ years in SME fintech, B2B lending, or API-first finance product design.
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Proven record of building or scaling embedded finance or BNPL tools, especially in high-volume transactional sectors.
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Strong understanding of Islamic credit logic, UAE SME ecosystems, and financial automation trends.
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Advanced knowledge of Open Finance API design, SME ERP systems, and digital VAT/e-invoicing interoperability.
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Capable of working cross-functionally with local lenders, cloud platforms, and sovereign SME support funds.
Why UAE?
The UAE is fast becoming the global capital of embedded finance—from cross-border logistics to cloud-based retail. In this role, you’ll define how SMEs access capital as seamlessly as sending an invoice or shipping a product—digitally, ethically, and instantly.
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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