Reporting: Head of Finance & Compliance
Dotted Reporting: CEO
Location: Islamabad- Pakistan
Role Overview
WFS is expanding into MSME financing, a new revenue stream. This role exists to create, structure, and launch a profitable MSME financing product from scratch, including unit economics, risk rules, and operational flow, so that once live, a business lead can scale it.
Core Responsibilities
- Design end-to-end MSME financing product: underwriting rules, credit limits, pricing, tenure, and repayment models
- Define unit economics & contribution margin targets for the product
- Collaborate with Sharia, Tech & Ops to build systems and flows for loan origination, disbursement, and collections
- Work with Sharia, Risk & Compliance to embed credit & regulatory safeguards
- Conduct market research to identify MSME needs, competitors, and viable segments
- Build dashboard & metrics framework to track P&L, disbursements, collections, and defaults
- Ensure go-live readiness, including pilot testing, partner integration, and operational SOPs
Ideal Profile
- 2–5 years experience in fintech product design, lending, or MSME finance
- Hands-on in building products end-to-end (from concept to go-live)
- Strong understanding of unit economics, credit risk, and collections flow
- Comfortable working cross-functionally (Tech, Ops, Risk, Finance)
- Execution-focused, able to deliver under tight timelines
Short-Term KPIs (0–90 / 180 Days)
- Complete end-to-end product design (pricing, credit rules, operational flow)
- Conduct pilot test with X MSMEs and document learnings
- Build ready-to-launch dashboards & reporting framework
- Ensure product is regulatory & Shariah compliant
- Define unit economics to ensure positive contribution margin at launch
Long-Term KPIs (6–18 Months)
- Product live with first disbursements to MSMEs
- Achieve initial portfolio quality targets (default rate ≤ X%)
- Provide repeatable SOPs & playbooks for business lead to scale
- Support integration with digital channels, payment partners, and collections
- Deliver product within planned timeline & budget