About this role
Role Summary
We are looking for a highly analytical and execution-focused B2B Growth Manager – SME Lending to drive acquisition, activation and growth of SME customers across the BOTIM ecosystem. The role will own the end-to-end growth funnel for SME Lending: from identifying and acquiring high-potential businesses to driving application, approval, disbursement, repeat borrowing and cross-sell. As growth manager, you will work with all other stakeholders from Product, Credit/Risk, Sales, Partnerships and Data, using BOTIM's first-party ecosystem, digital channels, partnerships and experimentation to build scalable SME lending growth engines.
Responsibilities
1. SME Acquisition & Lead Generation:
Build and execute the growth strategy to acquire qualified SME borrowers.
Identify high-potential - SME segments using BOTIM's first-party customer, merchant and transaction data. Build acquisition funnels across in-app surfaces, CRM, digital marketing, partnerships and offline channels.
Develop differentiated strategies for existing BOTIM businesses versus external SME acquisition. Continuously improve lead quality and cost per qualified borrower.
2. Funnel Growth & Conversion
Own and optimize the complete SME lending funnel:
Target SME → Lead → Application → Approval → Disbursement → Repeat Borrowing Identify funnel drop-offs and build experiments to improve conversion at every stage.
Partner with Product and Operations to simplify application and onboarding journeys.
Develop CRM journeys for incomplete applications, approved-but-not-disbursed customers, repeat borrowers and dormant SMEs.
Run structured A/B tests across propositions, messaging, channels and journeys.
3. Data-Driven SME Targeting
Build SME segmentation based on company profile, industry, transaction behaviour, business size, engagement and credit eligibility.
Work with Risk and Data teams to identify signals associated with high-quality borrowers.
Create propensity-based targeting to prioritize businesses most likely to apply, qualify and disburse.
Develop lifecycle cohorts such as high-potential, newly eligible, repeat borrowers, declining engagement and reactivation opportunities.
4. Growth Through the BOTIM Ecosystem
Build cross-sell loops across BOTIM's growing B2B financial ecosystem.
Identify opportunities such as:
Acquiring / POS → SME Lending
WPS / Payroll → SME Lending
B2B Remittance → SME Lending
Merchant Transactions → Pre-qualified Lending Offers
Turn BOTIM's existing business relationships and transaction data into scalable acquisition and lending opportunities.
5. Partnerships & New Growth Channels
Identify new distribution opportunities through merchant ecosystems, aggregators, marketplaces, PSPs and other B2B platforms.
Partner with internal commercial and partnership teams to develop joint acquisition programs.
Test new channels and propositions before scaling based on unit economics and portfolio quality.
Requirements
- 5–8 years of experience in Growth, Fintech, Lending, B2B Financial Services, Payments or Digital Businesses.
- Strong experience building and optimizing digital acquisition and conversion funnels.
- Highly analytical and comfortable working with large datasets.
- Strong understanding of experimentation, cohort analysis and funnel optimization.
- Experience with SQL, BI tools, CRM platforms or product analytics is strongly preferred.
- Ability to translate data into clear growth opportunities and executable campaigns.
- Strong commercial understanding and ability to evaluate CAC, conversion, revenue and ROI.
- Experience working cross-functionally with Product, Risk, Credit, Data, Sales and Operations.
- Experience in SME lending, merchant acquiring, embedded finance or B2B fintech is a strong advantage.
- UAE / GCC fintech experience is preferred.
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