Head of Lease-to-Own Client of Aventus Global Talent

Our client is one of MENA s largest insurance groups, with a rapidly expanding suite of digital, consumer-facing offerings delivered through its applications and platforms.

As part of a broader strategy to monetise engagement and build high-value adjacencies beyond core insurance, the organisation is scaling a digital automotive marketplace and launching a fully integrated lease-to-own proposition.

The ambition is to transform an existing second-hand car marketplace into a scalable, profitable consumer finance engine, embedded directly within a multi-million-user digital ecosystem. This role owns the end-to-end build: from product and pricing design, to credit, funding partnerships and operational scale.

The Head of Lease-to-Own will act as the single accountable owner for this new business line, combining deep financial acumen with a hands-on, entrepreneurial mindset.

Key Responsibilities

Strategy & Proposition

• Define the end-to-end lease-to-own strategy, including target segments, product structures and growth roadmap.
• Design customer propositions that clearly outperform traditional bank and auto-lender offerings on convenience, flexibility and experience.
• Build and own the multi-year business case, including P&L, capital requirements, payback and return metrics.

Pricing, Credit & Risk

• Design and continuously refine pricing models (lease rates, residual values, balloon payments, fees).
• Develop credit decisioning frameworks using bureau data and internal signals, tailored to GCC market dynamics.
• Partner closely with Risk, Actuarial and Finance to define risk appetite, provisioning and stress testing.
• Optimise portfolio performance using live data on losses, utilisation, early settlements and asset resale values.

Banking & Funding Partnerships

• Structure and negotiate funding partnerships with local and regional banks and financiers.
• Design co-lending or off-balance-sheet structures, including economics, risk-sharing and operational flows.
• Engage with regulators across Qatar and the wider GCC to ensure compliance and anticipate regulatory change.

Product, Digital & Operations

• Translate the proposition into a fully digital, end-to-end journey across app and web (application, credit check, approval, documentation, servicing).
• Work with Product, Technology and UX teams to minimise friction and enable fast approvals where possible.
• Define and optimise operational processes including KYC, underwriting, collections, repossession and asset resale.
• Lead the scale-up from an initial subset of vehicles to a significantly larger portfolio.

Leadership & Stakeholder Management

• Act as the single owner for the lease-to-own business, reporting regularly to senior leadership on performance and risk.
• Coordinate across digital, finance, legal, actuarial, operations and country teams.
• Define the future operating model and build a lean, high-impact team as the business scales.