Director, BNPL Asset & Device Financing

Job Summary:

Lead, launch, and scale an innovative BNPL asset/device financing startup within the group’s tech ecosystem. Own market entry, operations, and financial outcomes to drive rapid growth, profitability, and market leadership.

Translate the company’s strategic vision into a market-leading asset financing business.

Identify new customer segments, use cases, and distribution models to drive adoption and long-term growth.

Key Responsibilities

1. Translate Vision & Strategy

• Translate and communicate the, growth strategy, and market positioning for the BNPL startup. Translate the company’s strategic vision into a market-leading asset financing business.
• Identify new revenue streams, product innovations, and emerging market opportunities. Identify new customer segments, use cases, and distribution models to drive adoption and long-term growth.

2. P&L Ownership & Fundraising Capital Efficiency

• Own the business unit’s full P&L, from top-line revenue to bottom-line profitability.
• Manage budgeting, financial forecasting, and capital expenditure decisions in collaboration with the group’s finance team.

3. Sales & Go-to-Market Execution

• Formulate and execute an aggressive go-to-market plan, leveraging both direct and partner-based channels.
• Recruit, train, and motivate a high-performing sales team to meet ambitious growth targets.
• Collaborate with Marketing on brand-building, lead generation, and customer acquisition campaigns.

4. Credit & Risk Operations o Policy & Process Development

• Portfolio Management & Monitoring
• Collections & Recoveries
• Fraud Detection & Prevention

5. Customer Lifecycle & CX Management

• Ensure seamless onboarding, delivery, support, and upgrade journeys.
• Drive usage-based engagement to reduce churn and increase repayment reliability.
• Integrate remote customer service + field agent escalation processes.

6. Operations

• Supervise the Operations unit to ensure effective and efficient order fulfillment, inventory management (if applicable), and after-sales support.
• Implement standardized processes, SOPs, and service-level agreements to guarantee high-quality customer experience
• Maintain service-level standards across the customer lifecycle, from initial purchase through ongoing payments or device upgrades.

7. Team Building & Leadership

• Foster an entrepreneurial, results-driven culture, empowering teams to experiment, learn, and iterate.
• Champion diversity, equity, and inclusion as the foundation of a high-performance organization.

8. Stakeholder Relations

• Develop and Maintain alliances with suppliers, distribution networks, financial institutions, and other industry stakeholders.

9. Metrics & Continuous Improvement

• Track key performance indicators (KPIs) such as revenue growth, portfolio-at-risk (PAR), customer churn, and cost-to-acquire.
• Stay updated on market/technology trends to keep the startup at the forefront of BNPL innovation.

Education:

• Bachelor’s degree in business, Finance, Economics, or a related field.
• MBA or relevant Master’s degree preferred

Experience:

• 10+ years in a leadership role, with at least 5 years’ experience scaling or managing financial products, fintech, BNPL, or consumer finance solutions.
• Demonstrated ability to manage a P&L and lead high-growth, fast-paced ventures.
• Proven track record in driving credit/loan management, risk analytics, and/or underwriting (especially in emerging markets, if applicable).

Skills:

• Entrepreneurial Mindset: Comfortable with ambiguity, rapid iteration, and accountability for outcomes.
• Credit & Risk Acumen: Strong knowledge of lending regulations, credit scoring methodologies, and collections processes.
• Strategic & Hands-On: Ability to toggle between tactical and operational execution.
• Leadership & Communication: Outstanding interpersonal skills to inspire teams and secure stakeholder buy-in.
• Analytical & Data-Driven: Capable of leveraging analytics to optimize growth, improve margins, and drive product-market fit.