Job Overview
Senior Buy Now- Pay Later (BNPL) Product & Risk Manager – Riyadh, Saudi Arabia
Job Type: Full-Time
Experience Level: Senior (8–12 years)
Domain: Digital Lending | Consumer Finance | Risk & Product Strategy
Role Overview
This role sits at the convergence of instant credit, consumer behavior, and real-time risk intelligence. As a Senior BNPL Product & Risk Manager, you will design and scale short-term financing solutions embedded directly into retail and e-commerce ecosystems.
You are not simply launching lending products—you are engineering frictionless credit experiences where approval decisions occur in milliseconds, risk is dynamically managed, and user trust is continuously reinforced.
Key Responsibilities
- Own the end-to-end lifecycle of BNPL products—from concept design to large-scale deployment
- Develop real-time credit decision engines, integrating behavioral, transactional, and alternative data
- Optimize approval rates vs. risk exposure, balancing growth with portfolio quality
- Design flexible repayment structures, including installment plans and dynamic pricing
- Collaborate with merchants to embed BNPL seamlessly into checkout experiences
- Monitor portfolio performance through metrics such as default rates, customer lifetime value (CLV), and conversion rates
- Ensure compliance with consumer lending regulations and responsible lending practices
Required Qualifications
- Degree in Finance, Economics, Data Science, or related field
- 8+ years in digital lending, credit risk, or fintech product management
- Strong understanding of credit scoring models and underwriting processes
- Experience with embedded finance or point-of-sale lending solutions
- Ability to interpret complex data and translate insights into product decisions
Preferred Expertise
- Experience with machine learning-driven credit models
- Familiarity with e-commerce integrations and payment gateways
- Knowledge of fraud detection and identity verification systems
- Strong commercial acumen with a data-driven mindset
Why This Role Matters
You will shape how consumers access credit in real time—transforming purchasing power into a seamless, invisible layer within digital commerce.
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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