Business Head Financing

Client of James Douglas Middle East

Our client is a leading automotive marketplace platform operating across multiple markets, enabling seamless vehicle transactions through technology-driven solutions. The organization has built a strong ecosystem connecting buyers, sellers, dealers, and financial partners, with a focus on transparency, speed, and customer-centric innovation.

As part of their strategic growth plans, they are expanding their embedded finance capabilities to strengthen monetization, improve customer affordability, and enhance overall transaction conversion across the platform.

They are seeking a highly experienced Business Head Financing to lead and scale the lending vertical. This role involves building and managing a profitable lending business, driving embedded finance partnerships, optimizing credit approval models, and owning the end-to-end P&L of the financing portfolio.

Duties & Responsibilities

• Own and drive the overall business strategy, revenue growth, and P&L for the financing vertical.
• Build and scale embedded finance solutions including BNPL, personal loans, auto loans, and dealer financing products.
• Develop and manage strategic partnerships with banks, NBFCs, and fintech lenders.
• Optimize credit funnels, approval rates, and unit economics to maximize portfolio profitability.
• Oversee lending portfolio performance including risk metrics, disbursements, yield, and collections efficiency.
• Collaborate with product, risk, technology, and operations teams to enhance underwriting models and customer journeys.
• Identify new monetization opportunities and cross-sell strategies within the marketplace ecosystem.
• Ensure regulatory compliance and alignment with applicable lending frameworks.
• Monitor market trends and competitor activity to maintain a competitive financing proposition.

Qualifications

• Bachelors degree in Finance, Business, Economics, Engineering, or a related field. MBA preferred.
• 8 to 12 years of experience in digital lending, fintech, NBFC, or embedded finance environments.
• Proven track record of building and scaling lending portfolios with clear P&L ownership.
• Strong understanding of credit risk, underwriting models, and lending unit economics.
• Experience managing multi-lender ecosystems and strategic partnerships.
• Demonstrated ability to launch 01 lending products and scale operations.
• Strong commercial acumen and data-driven decision-making capabilities.
• Leadership experience managing cross-functional teams in fast-paced environments.