Qureos Mentor

Ooredoo Fintech

<div>
 
 
 Purpose
 
 
 
 We are looking for a commercially driven customer lifecycle expert to join the OFTI as Customer Value &amp; Lifecycle Manager. In this role, you will own the end-to-end customer journey &mdash; from onboarding and first transaction to wallet adoption and cross-sell &mdash; designing the strategies that turn single-use customers into loyal, multi-product users of the respective markets of OFTI. You are the architect of customer value management, retention and revenue diversification for OFTI.
 
 
 
 
 
 Remittance is today's revenue engine in some of the markets and requires evolving customers into active wallet users &mdash; generating revenue through cross-sell into cards, micro-lending, and lifestyle services. In the new markets it will require ensuring multiple use cases are adopted from the get-go. The Customer Value &amp; Lifecycle Manager operates across Qatar, Oman, Tunisia, Maldives and future markets, sitting at the strategic centre of this transition and ensuring the business is systematically maximizing the lifetime value of every customer relationship.
 
 
 
 
 
 
 Context
 
 
 
 
 Ooredoo Fintech (OFT)
 
 is a fast-growing scale-up on a mission to empower people and businesses across the MENA region with innovative financial solutions. Backed by the strength and heritage of Ooredoo Group and driven by a passionate team, we deliver secure, intuitive money tools through our brands: Ooredoo Money, walletii, and m-Faisaa, serving users in Qatar, Oman, and the Maldives. Working with us presents a unique and exciting opportunity to make a difference and be part of a revolution where we are leveraging financial technology to provide accessible, empowering tools.
 
 
 
 
 
 
 Role Accountabilities
 
 
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 Define and own the customer lifecycle framework across all OFTI markets &mdash; mapping the journey from acquisition through activation, engagement, and cross-sell, with clear commercial KPIs at each stage.
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 Build and maintain Customer Lifetime Value (CLV) models to identify high-value segments, predict churn risk, and ensure commercial investment is directed to the highest-return opportunities.
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 Design data-driven lifecycle campaign briefs for the central marketing team and country teams, ensuring all campaigns are audience-targeted, journey-sequenced, and tied to measurable revenue outcomes.
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 Lead the commercial strategy for wallet adoption &mdash; developing incentive structures, activation triggers, and multi-product propositions that shift customer behaviour from single use-case user to regular wallet engagement.
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 Identify and size cross-sell opportunities across the product portfolio, building the commercial case for each revenue stream with P&amp;L projections and conversion modelling.
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 Monitor and report on lifecycle KPIs (D7/D30 retention, product attach rates, dormancy rates, cross-sell conversion) across all markets, producing actionable recommendations for the stakeholders.
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 Oversee and manage the commercial budget, ensuring that financial resources are strategically allocated across lifecycle triggers to maximize ROI and lower the cost-of-retention.
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 Partner with central marketing and local market teams to architect the commercial calendar, ensuring campaign sequencing is optimized to drive long-term Customer Lifetime Value (CLTV) and portfolio health.
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 Rigorously evaluate the performance of ongoing initiatives in collaboration with local &amp; central teams, validating that engagement activities have materialized into the expected revenue growth and measurable customer stickiness.
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 Experience
 
 
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 Experience
 
 : 5&ndash;8 years in customer lifecycle management, CRM strategy, or customer value management within Fintech, Banking, or Telecoms, with a demonstrated track record of driving retention and cross-sell outcomes.
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 Lifecycle &amp; CRM Skills:
 
 Proven experience designing and executing lifecycle programs that deliver measurable improvement in retention, engagement, and cross-sell conversion rates.
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 Commercial Acumen:
 
 Strong understanding of consumer financial products economics, including digital wallet revenue models, remittance, and consumer lending P&amp;L.
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 Minimum Entry Qualifications
 
 
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 Education:
 
 Bachelor's degree in Business, Marketing, Finance, or a related field. MBA or equivalent postgraduate qualification is a strong plus.
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 Personal Profile
 
 
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 Adept at navigating a matrix organization, demonstrating the professional maturity and interpersonal agility required to drive alignment and high-velocity execution across diverse cross-functional and regional teams.
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 Customer-first thinker with a strong revenue orientation &mdash; able to connect user behaviour patterns to commercial outcomes and build a compelling case for investment.
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 Strong storytelling and brief-writing skills to influence marketing and product teams who do not report directly to this role.
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 Comfortable operating across multiple markets with varied cultural and regulatory contexts, adapting strategies without losing commercial rigour.
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</div>

Customer Value & Lifecycle Manager

<div>
 
 
 Purpose
 
 
 
 This role offers an exceptional opportunity to shape Ooredoo Money's SME and microlending business strategy while driving significant commercial impact in Qatar's rapidly evolving fintech and small business financing landscape. The successful candidate will combine deep expertise with strong commercial acumen to accelerate our growth across SME and microlending services.
 
 
 
 
 
 
 Context
 
 
 
 
 Ooredoo Financial Services (OFS)
 
 is an established operating company in Qatar under the brand name
 
 Ooredoo Money
 
 , part of OFTI LLC, a dynamic scale-up fintech company. With over 12 years in the market, we combine the heritage and stability of a highly successful founding group with the ambition and passion of a talented team. We provide secure and convenient payment tools that empower everyday people, promoting financial inclusivity for all. Join us for a unique and exciting opportunity to be part of a financial technology revolution, making financial services more accessible, inclusive, and empowering.
 
 
 
 
 
 
 Role Accountabilities
 
 
 
 
 
 
 
 SME Business Scaling &amp; Partnership Management
 
 
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 Own the commercial strategy for scaling Ooredoo Money's SME business ecosystem, including merchant services, business accounts, and value-added services
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 Identify, evaluate, and commercially onboard SME-focused partners including business solution providers, accounting software companies, and supply chain finance partners
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 Negotiate commercial agreements, revenue sharing models, and SLAs with SME ecosystem partners to ensure optimal business outcomes
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 Develop and execute go-to-market strategies for SME services, including pricing models, business incentives, and acquisition campaigns
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 Coordinate cross-functional teams to ensure seamless integration of SME services while maintaining commercial viability and regulatory compliance
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 Credit Risk &amp; Portfolio Commercial Management
 
 
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 Own the commercial P&amp;L for Ooredoo Money's SME and Microlending business lines
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 Develop and execute scaling strategies to grow loan origination volumes, portfolio size, and revenue contribution
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 Analyze credit market trends, competitor positioning, and regulatory dynamics to optimize commercial strategy and maintain competitive advantage
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 Manage key institutional relationships and negotiate commercial terms with microlending and SME business partners
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 Data Analytics &amp; Commercial Intelligence
 
 
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 Leverage advanced analytics to identify lending opportunities, customer behavior patterns, and credit risk indicators across individual and SME segments
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 Build and maintain comprehensive dashboards tracking lending performance, portfolio metrics, commercial KPIs, and early warning indicators
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 Conduct deep-dive analyses on borrower data, transaction patterns, and repayment behavior to optimize underwriting criteria and improve loan economics
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 Generate actionable insights from lending and SME transaction data to inform commercial strategy, risk management, and market expansion decisions
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 Cross-Functional Commercial Coordination
 
 
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 Collaborate closely with technology, risk management, and compliance teams to ensure commercial requirements are integrated into lending platform development
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 Draft detailed Business Requirements Documents (BRDs) that translate business objectives into actionable technical, risk, and operational specifications
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 Coordinate user acceptance testing (UAT) for lending solutions, ensuring commercial are met before launch
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 Market Intelligence &amp; Competitive Analysis
 
 
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 Monitor microlending industry trends, regulatory changes, and competitive developments to inform commercial strategy and product positioning
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 Conduct regular analysis of competitor lending offerings, pricing models, underwriting criteria, and market positioning strategies
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 Identify emerging fintech lending technologies and assess their commercial viability for Ooredoo Money's ecosystem
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 Support strategic decision-making through comprehensive market intelligence and commercial opportunity assessments in the SME financing space
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 Stakeholder Communication &amp; Reporting
 
 
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 Prepare and present regular commercial performance reports to senior management, highlighting lending portfolio metrics, SME business performance, and growth opportunities
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 Manage stakeholder communications across internal teams and external partners to ensure alignment of commercial objectives and risk management
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 Lead commercial discussions with key SME clients, lending partners, and regulatory stakeholders to drive business growth and resolve commercial issues
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 Key Performance Indicators
 
 (KPIs)
 
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 P&amp;L for SME and Microlending Business
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 Number of merchants and new partnerships for driving business growth
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 Customer Satisfaction/Voice of customer score across SME and consumer base
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 Experience
 
 
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 Master's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferred
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 8+ years of experience in SME banking, lending business or commercial management within fintech, banking, or digital financial services
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 Proven track record of launching financial products and managing commercial P&amp;L responsibility with demonstrated revenue growth in SME services or lending
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 Minimum Entry Qualifications
 
 
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 6+ years of experience in commercial/business management within fintech, banking, or digital financial services
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 Must have launched and scaled a microlending business or proposition for a leading Fintech or Digital Bank
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 Bachelor's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferred
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 Personal Profile
 
 
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 Analytical Mindset: Strong analytical and problem-solving skills with ability to translate complex data into actionable commercial strategies
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 Commercial Focus: Results-driven with proven ability to identify and capitalize on commercial opportunities
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 Collaboration Skills: Excellent cross-functional collaboration abilities with experience working in fast-paced, regulated environments
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 Communication Excellence: Outstanding verbal and written communication skills with ability to present complex commercial and risk concepts to diverse stakeholders
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 Innovation Drive: Passion for financial inclusion, lending innovation, and staying ahead of industry trends in microlending and SME financing
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 Adaptability: Comfortable working in dynamic regulatory environments with ability to manage multiple commercial initiatives while ensuring compliance
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 Integrity: Demonstrates highest standards of ethics and integrity in all commercial dealings, especially in lending and customer financial welfare
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 Customer-Centric: Strong focus on understanding borrower and SME needs while translating them into commercially viable and responsible lending solutions
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</div>

Commercial Specialist - SME & Microlending Business

Join Ooredoo Fintech and explore 2   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

Ooredoo Fintech

About Company

Customer Value & Lifecycle Manager

Commercial Specialist - SME & Microlending Business