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. 

Job Requirements

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. 

How To Apply

Interested candidates should submit their resume to hr@kifiya.com and include "Director, BNPL Asset & Device Financing" in the subject line. 

We are an equal opportunity employer dedicated to diversity and inclusion, welcoming all qualified applicants regardless of background. Our goal is to build a diverse team to promote innovation and success.