Business Development Manager

Job Summary:

To spearhead our growth in the digital lending and BNPL space. This role involves identifying new lending opportunities, forming strategic partnerships (B2B and B2C), and driving customer acquisition. You will be a key player in shaping the company’s expansion strategy while collaborating cross-functionally to deliver impactful lending products that solve real consumer and merchant pain points.

Key Responsibilities:

1. Lending & BNPL Growth Strategy

•Identify market segments (e.g., e-commerce, retail, youth) where BNPL or micro-lending can drive value.

•Work with product and risk teams to localize offerings like installment plans, short-term loans, and embedded finance options.

2. Merchant Acquisition & Partnerships

•Onboard e-commerce/offline stores, point-of-sale retailers, and service providers to offer BNPL/lending at checkout.

•Develop partnership frameworks, pricing, and revenue-sharing models.

•Educate merchants on product benefits, customer impact, and integration process.

3. Financial Institution & Channel Partner Alliances

•Establish relationships with NBFCs, banks, aggregators, or agent networks for co-lending, capital sourcing, or collections support.

•Manage partnership lifecycle from due diligence to contract negotiation and performance monitoring.

4. Sales Pipeline Management

•Develop a strong pipeline of potential partners, merchants, and referral agents.

•Lead end-to-end sales process: prospecting, pitching, negotiating, closing, and onboarding.

•Track and report KPIs such as lead conversion, active merchant count, disbursed volume, and repeat usage.

5. Market Intelligence & Product Feedback

•Conduct market analysis on consumer behavior, credit demand, and regulatory changes.

•Act as the voice of the market to inform product development, pricing, risk models, and marketing efforts.

Qualifications:

•Bachelor’s degree in Business, Finance, Marketing, or Economics (MBA preferred).

•4–8 years of experience in business development, preferably in fintech/Telco/Digital Banking, digital lending, BNPL, or consumer credit.

•Proven success in acquiring B2B partnerships and managing large accounts or merchant networks.

•Understanding of consumer lending dynamics, credit lifecycle, and embedded finance models.

•Familiarity with digital onboarding, credit scoring, and KYC/AML compliance in the fintech space.

Preferred Experience:

•Worked in or with e-commerce, POS/retail chains, or platforms offering pay-later solutions.

•Strong network with fintechs, merchants, or telcos in Pakistan or similar markets.

•Experience working with underbanked populations or developing alternate credit assessment strategies.

•Familiarity with the regulatory landscape (e.g., SBP, SECP in Pakistan or other regulators).

Key Skills:

•Strategic sales and negotiation

•B2B partnership development

•Credit/lending product understanding

•Analytical thinking and reporting

•Presentation and communication skills