About the job BNPL Product Manager




Job Title: BNPL Product Manager




Term: 9 months




Location: Riyadh, KSA




Division: Retail Banking/ Consumer Finance




Reports to: Head of Micro Lending & Fintech Enablement




Relevant experience: 5+ years of experience in consumer lending, microfinance, digital banking, BNPL, or fintech lending solutions




Mandatory requirements:

• Experience in launching digital lending products, working with fintech partners, or managing BNPL programs in a bank or financial institution


• Fluent in English, Arabic will be preferred but not mandatory

Purpose of the Project:



We are seeking a dynamic and strategic Micro Lending & Buy Now Pay Later (BNPL) Product Manager to lead the development, management, and growth of the banks micro-lending and BNPL offerings. This role will focus on designing customer-centric credit solutions, optimizing risk management, driving adoption, and ensuring regulatory compliance while aligning with the banks overall digital and financial inclusion strategy.




Core Responsibilities and Accountabilities
Product Development & Strategy:

• Develop and execute the strategy for micro-lending and BNPL products, ensuring alignment with the banks broader retail banking objectives.


• Identify market opportunities, customer needs, and competitive trends to enhance existing offerings and launch innovative lending solutions.


• Design and implement scalable, technology-driven credit solutions tailored to different customer segments.

Risk & Compliance Management:

• Collaborate with risk, compliance, and legal teams to define credit policies, underwriting criteria, and fraud prevention strategies.


• Ensure products comply with local regulatory requirements and global best practices in responsible lending.


• Work closely with credit risk teams to optimize customer selection

Partnerships & Ecosystem Development:

• Identify and establish partnerships with merchants, fintechs, payment processors, and technology providers to expand BNPL adoption.


• Negotiate commercial agreements with ecosystem partners and ensure seamless integration with banking infrastructure.


• Drive cross-functional collaboration with internal teams (IT, operations, marketing, and sales) to deliver a superior customer experience.

Customer Experience & Digital Adoption:

• Enhance digital lending journeys by integrating seamless onboarding, instant approvals, and frictionless repayment options.


• Work with UX/UI teams to optimize customer interfaces across mobile banking, online banking, and thirdparty platforms.


• Implement customer education programs to drive awareness and responsible usage of micro-lending and BNPL services.

Performance Monitoring & Optimization:

• Define and track key performance indicators (KPIs) such as loan origination, repayment rates, default ratios, and customer retention.


• Leverage data analytics to refine pricing strategies, lending limits, and repayment structures to maximize portfolio performance.


• Continuously iterate and improve product features based on customer feedback, usage patterns, and industry innovations

Knowledge and Experience

• Education: Bachelors or Masters degree in Finance, Business, Economics, or a related field.


• Experience: 5+ years of experience in consumer lending, microfinance, digital banking, BNPL, or fintech lending solutions.


• Technical Skills: Strong understanding of credit risk, digital lending platforms, financial technology, and datadriven decision-making.


• Industry Knowledge: Familiarity with banking regulations, financial inclusion strategies, and emerging trends in alternative lending.


• Soft Skills: Excellent strategic thinking, stakeholder management, and problem-solving capabilities.


• Preferred: Experience in launching digital lending products, working with fintech partners, or managing BNPL programs in a bank or financial institution.


• Languages: Fluent in English, Arabic will be preferred but not mandatory