Director, Embedded Finance B2B eCommerce

Job Summary:

To lead the design, launch, and scale-up of Embedded finance led B2B eCommerce platform. This role carries full P&L ownership and is responsible for strategic execution, platform performance, and operational delivery. The director will oversee merchant acquisition, product innovation, credit integration, supply chain enablement, and stakeholder engagement — positioning the platform as a leading B2B ecommerce platform and drive inclusive digital trade across Ethiopia.

Key Responsibilities

1. Strategic Leadership & Vision Translation

• Translate the company embedded finance vision into a clear, multi-phase platform strategy.
• Define a product-market roadmap as embedded finance led B2B platform, enabling MSMEs to access goods / services and credit seamlessly.
• Lead competitive positioning, sectoral prioritization, and long-term platform scalability.

2. Full P&L Ownership & Financial Performance

• Own end-to-end business unit P&L, including GMV, net revenue, credit margin, and contribution profit.
• Lead financial planning, pricing strategy, capital efficiency, and revenue growth across verticals.
• Monitor unit economics, customer lifetime value (LTV), and acquisition cost (CAC) to optimize profitability.

3. Sales, Merchant Growth & Go-to-Market Execution

• Drive merchant onboarding, activation, and repeat usage through field sales teams, cooperatives, and digital channels.
• Implement referral programs, sectoral acquisition plans, and merchant incentives.
• Collaborate with marketing on brand visibility, user acquisition, and trust-building campaigns.

4. Credit Operations & Embedded Finance Execution[MB1]

• Design and operationalize embedded credit products including BNPL, inventory financing, and working capital loans.
• Integrate credit workflows directly into purchasing behavior, order cycles, and platform journeys.
• Monitor credit health indicators (PAR, NPL, recovery rate) in collaboration with the IFS Credit and Risk teams.

5. Platform & Product Operations

• Oversee core eCommerce functionality: catalog, order processing, payment, checkout, returns.
• Lead product development to ensure scalable, self-service merchant experiences across channels.[MB2]
• Implement merchant dashboards, transaction analytics, and inventory visibility tools.

6. Supply Chain, Fulfillment & Logistics Strategy

• Develop partnerships with suppliers, wholesalers, and logistics providers to ensure on-time and complete deliveries.
• Follow inventory flow, delivery coordination, stock-outs, and returns with defined SLAs.
• Drive cost efficiency and delivery speed through route optimization and last-mile collaboration.

7. Team Leadership & Execution Culture

• Build and lead a high-performing team across platform operations, credit, merchant success, and partnerships.
• Foster a culture of ownership, agility, and disciplined execution aligned with the company core values.
• Implement clear OKRs, team scorecards, and performance tracking mechanisms.

8. Stakeholder Engagement & Ecosystem Development

• Develop and manage strategic relationships with manufacturers, wholesalers, importers, and cooperatives to ensure a robust and reliable supply-side ecosystem.
• Establish fulfillment, logistics, and distribution partnerships (e.g., 3PLs, regional transporters) to ensure scalable last-mile delivery and return flows.
• Align ecosystem players (suppliers, logistics, financiers) around platform SLAs, credit readiness, and operational coordination.

9. Data, Analytics & Continuous Optimization

• Define platform performance dashboards across GMV, retention, credit, logistics, and partner ROI.
• Leverage cohort analysis, behavioral segmentation, and real-time transaction data to refine strategy.
• Run iterative experiments (pricing, bundles, credit limits) to drive platform growth and sustainability.

· Education:

• Bachelor’s in business, Technology, Finance, or related field; MBA preferred.

· Experience:

• 10+ years in digital commerce, fintech, platform operations, or supply chain ecosystems.
• At least 3–5 years with full P&L ownership in a platform or high-growth business.
• Track record of building and scaling two-sided platforms and embedded finance models.

· Skills:

• Strategic platform thinking with deep operational execution capability.
• Credit risk knowledge in trade finance, working capital, or merchant lending.
• Strong stakeholder engagement and ecosystem development capabilities.
• High data fluency; ability to build insight-driven, performance-focused teams.