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.

Job Requirements

· 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.

How To Apply

Interested candidates should submit their resume to hr@kifiya.com and include “Director, Embedded Finance B2B eCommerce” 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.