Business Development Manager - BNPL - Fintech

• Posting Date: 24/11/2025
• Ref: TSK114
• Position: Business Development Manager - BNPL - Fintech
• Location: KSA
• City: Khobar
• Sector: Financial Services
• Years of Experience 5–10 years experience ideally in BNPL and/or fintech
• Qualification: Bachelor’s degree in Business, Finance, Marketing, Economics, or related field; MBA preferred.
• Salary: Salary range is SAR 35K to 38K
• Workdays:
• Description:
  Key Duties and Responsibilities: P&L and Business analysis

  • Own P&L performance, portfolio quality, pricing, forecasting, ECL, and support decision-making across Risk, Product, Commercial, and Operations.
  • Build and maintain the BNPL P&L model, including revenue, MDR, fees, incentives, and credit losses.
  • Deliver monthly and quarterly GMV forecasts, revenue forecasts, and contribution margin analysis.

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    Portfolio Management
  • Partner with Risk to analyze approval rates, risk segments, delinquency trends, and fraud patterns.
  • Provide insights that balance approvals vs NPL; simulate policy or scorecard changes and forecast impact.
  • Monitor performance of the Decision Engine and credit scorecard.
  • Analyze approval impact, model drift, and rule effectiveness.
  • Provide data to Product & Risk for limit assignment, merchant-level risk, and user segmentation.
  • Analyze repayment success rates, failed payment patterns, collection efficiency (D0 → D90).

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    Merchant and commercial analysis
  • Analyze merchant-level GMV, MDR profitability, category contribution, and churn.
  • Support Commercial team with merchant pricing, category forecasts, and performance tracking.
  • Partner with marketing/commercial to build the GTM plans and build ROI models for co-marketing initiatives.
  • Manage overall marketing and promotional budgets

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    Product Analytics and growth insights
  • Partner with Analytics for funnel performance, conversion, drop-offs, checkout performance, and feature adoption.
  • Partner with Product to run A/B test analysis, retention cohort analysis, and user segmentation.
  • Provide actionable insights to improve user onboarding, approval flow, repayment success, and repeat behavior.
  • May perform other duties as directed and required.

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    Minimum Qualification:
  • Bachelor’s degree in Business, Finance, Marketing, Economics, or related field; MBA preferred.
  • 5–10 years experience ideally in BNPL and/or fintech

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    Technical Competencies:
  • Strong analytical capabilitiy, mastery of Microsoft excel and Power BI and ability to build financial/forecasting models. SQL experience is a plus
  • Strong analytical capabilitiy, mastery of Microsoft excel and Power BI and ability to build financial/forecasting models. SQL experience is a plus
  • Deep understanding of credit lifecycle analytics: vintages, roll rates, risk segmentation.
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