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you will lead the compliance program for Gemini’s deposit and lending products, including the first-in-class crypto rewards credit card and business credit card. You will be responsible for creating a comprehensive strategy to scale the program and support the business in delivering product features in a compliant and consumer-friendly way.

Location: Remote (Canada) Workplace: Remote BUILD SOMETHING PEOPLE LOVE Wealthsimple is Canada’s leading financial innovator. The company offers a full suite of simple, sophisticated financial products across managed investing, do-it-yourself trading, cryptocurrency, tax filing, spending and saving. Wealthsimple currently serves more than 4 million Canadians and holds over $155 billion in assets under administration. The company was founded in 2014 by a team of financial experts and technology entrepreneurs, and is headquartered in Toronto, Canada. We're proud of what we've built — and we're just getting started. Read our Culture Manual https://www.wealthsimple.com/en-ca/culture and learn more about how we work https://www.wealthsimple.com/en-ca/careers. About the team: At Wealthsimple, we aren't just managing portfolios; we're rewriting the rules of how Canadians interact with credit. The Credit Analytics team own’s Wealthsimple's lending ecosystem, operating at the intersection of high-growth tech and data-driven underwriting. We believe that being “credit-worthy” should mean more than just a traditional score. Our mission is to challenge the status quo, building inclusive products that empower millions of Canadians and the businesses they run to lead better financial lives. We’re growing fast, moving from small data to massive scale through iteration and experimentation. We are extending our consumer credit expertise into business lending built for Canadian small and medium-sized businesses (SMBs). This is a true green-field build — new adjudication policy, new underwriting signals, and new risk infrastructure, informed by everything we've learned scaling our consumer card portfolio. About the role: We are looking for a Senior Associate to own credit policy for our business lending products, starting with a business credit card — from adjudication through the full account lifecycle. You will design and implement the underwriting framework that determines who qualifies and at what limit, build the line management strategies that govern how those limits evolve, and partner closely with collections to manage risk once accounts are on book. Small business cards can be underwritten on the owner, or on the business as it grows. You’ll be working with cash flow, seasonality, industry, and business bureau data, which is usually thinner and messier than consumer bureau data. We need someone who has worked across that range and can turn it into automated policy instead of file-by-file decisions. You will collaborate cross-functionally with Engineering, Product, Data Science, Fraud, and Client Experience to translate policy into shippable adjudication and monitoring systems, and you will have significant ownership over how this portfolio’s risk appetite is defined from day one. In this role, you will have the opportunity to: - Build a new lending program from the ground up with the breadth to see every part of it, from policy to funding, and the runway to grow into leading a lending line of business. - Design and own the adjudication policy for a new business credit card, including entity-level underwriting criteria, principal/guarantor assessment, joint-liability, initial limit-setting, and approval decisioning. - Own line management strategy for business credit products: credit limit increases and decreases, pricing, authorization rules, and active exposure management driven by cash-flow and balance monitoring. - Partner with the collections team to design risk-managed treatment strategies specific to business accounts, and to build lifecycle monitoring that catches emerging risk early. - Evaluate the performance of the business lending portfolio and your policies, using vintage analysis, cohort tracking, and champion/challenger testing to validate and refine underwriting decisions. - Propose policy enhancements that improve marginal profitability while keeping risk within appetite, informed by rigorous root-cause analysis rather than surface-level metrics. - Help define the data and underwriting infrastructure needed for SMB lending — including how to source, validate, and weigh business financial data alongside traditional bureau signals. - Influence roadmaps across partner teams (Engineering, Product, Data Science, Fraud, and Client Experience) and implement policy that drives measurable impact. We're looking for someone who: - Has direct experience underwriting or setting credit policy for small and medium-sized businesses, this is a must-have for this role. Card experience isn't required; we'd love to hear from you if your background is in instalment loans or lines of credit. - Writes SQL hands-on to self-serve data and build monitoring and analytics. - Brings credit discipline to a ship-and-iterate environment, and is comfortable shaping policy while the product itself is still being defined. - Can turn analysis into a clear recommendation for technical and non-technical audiences, weigh incomplete or noisy information and still reach well-grounded decisions. - Is intellectually curious, passionate about their work, and wants ownership over their projects. Preferred qualifications: - 5+ years of experience in small business lending - Knowledge of Canadian consumer credit bureau data (Equifax, TransUnion) - Working knowledge of how business credit risk differs from consumer credit risk: entity vs. personal guarantor assessment, business bureau data (e.g., business credit bureaus), cash-flow-based underwriting, industry/sector risk, and revenue seasonality. - Experience across the credit lifecycle: adjudication policy, line management, pricing, and collections strategy. - Experience with statistical/quantitative analysis: experimental design, champion/challenger (or A/B) testing, model accuracy validation, constrained optimization, decision trees, discounted cash flows, financial modeling. - Experience with Python, and GitHub. Airflow, AWS Redshift, and dbt are a plus. WHY WEALTHSIMPLE? 🌸 Top-tier health benefits and life insurance 📈 Long-term group savings with employer match, through Wealthsimple for Business 🌴 20 vacation days, 4 wellness days, and unlimited sick and mental health days per year* ✈️ 90 days away: work outside Canada for up to 90 days per year* 👥 Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS 🌎 We are a hybrid team with over 1,500 employees across North America. The people are one of the best parts of working here: you'll collaborate with incredibly talented, curious, and driven teammates who are deeply committed to doing great work. *Unlimited paid sick days, Wellness Days and the 90 day away program do not apply to certain roles. ICYMI Technology & Innovation at Wealthsimple: We move quickly and build thoughtfully. That means we're always looking for better ways to work — whether that's new tools, AI, or rethinking how we approach a problem. We don't expect you to have all the answers, but we do expect curiosity and a willingness to evolve alongside the products we're building. Inclusion Statement: We're building products for a diverse world, and we need a diverse team to do it well. We strongly encourage applications from everyone, regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status. Accessibility Statement: We're committed to an accessible hiring experience. If you need any accommodations throughout the interview process, please let us know — we'll work with you to make sure you have what you need. We also welcome any feedback on how we can better accommodate candidates with accessibility needs. AI in Hiring: We may use artificial intelligence (AI) tools to support parts of our hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our team but don't replace human judgment – all final hiring decisions are made by people. If you have questions about how your data is used, reach out to us.

Location: Madrid, Spain Workplace: remote The role: Tether Capital is launching a new credit vertical focused on providing short-term liquidity and credit facilities to fintech companies, payment providers, exchanges, and other financial institutions. We are looking for a Credit Lead (underwriter) focused on institutional lending and liquidity to join this new initiative and help build the credit function from the ground up. This is a hands-on role for someone with strong experience in credit underwriting and structuring, who is comfortable assessing businesses, making credit recommendations, and developing the policies and processes needed to support a growing lending platform. Key Responsibilities: Underwrite and structure credit facilities, including revolving credit facilities, working capital loans, and liquidity facilities. Analyse companies' financial statements, cash flows, liquidity position and repayment capacity. Determine appropriate lending amounts, terms, covenants, security, and other risk protections. Develop credit policies, underwriting guidelines, templates, and concentration limits from scratch. Monitor credit risk and borrower performance and establish appropriate risk-monitoring processes. Support the development and scaling of the new credit business. Requirements: 10+ years of relevant credit experience. Strong experience in credit underwriting and structuring , rather than purely credit analysis. Previous experience with fintech & payments is mandatory. Background in institutional lending, private credit, venture debt, specialty finance, or a similar environment. Experience establishing or developing credit policies, processes, or risk frameworks. Crypto, digital assets, or stablecoin experience is a plus, but not required .

В роли вице-президента и руководителя программы кредитования в RAKBANK, одной из старейших и прогрессивных коммерческих банков ОАЭ, вы будете отвечать за управление и развитие кредитных программ банка. Ваша задача — координировать процессы кредитования, обеспечивать соответствие программ стратегическим целям банка и контролировать риски. Требуется опыт в банковской сфере, глубокое понимание кредитных продуктов и способность вести команду к достижению поставленных целей.

Требования: — опыт работы бизнес-аналитиком в банковской сфере или финансовых услугах.

Location: Atlanta, United States; August, United States; Boston, United States; Bradford, United States; Brighton Beach, United States; Bronx, United States; Brooklyn, United States; Canarsie, United States; Chicago, United States; Cedarhurst, United States; Columbus, United States; Coney Island, United States; Dallas, United States; Denver, United States; Des Moines, United States; Dover, United States; Manhattan, United States; Fall River, United States; Forest Hills, United States; Fresh Meadows, United States; Hawley, United States; kansas city, United States; Lansing, United States; Las Vegas, United States; Lexington, United States; Little Rock, United States; Los Angeles, CA 90021, United States; Lynbrook, United States; Montogomery, United States; Nassau County, United States; New Bedford, United States; New Jersey, United States; New York, United States; Norwalk, United States; Oregon city, United States; Pittsburgh, United States; Phoenix, United States; Plano, United States; Queens, United States; Redwood City, United States; Ridgewood, United States; Salt lake city, United States; San Francisco, United States; Seattle, United States; St. Louis, United States; Staten Island, United States; Valley Stream, Long Island, United States; Valley Stream, United States; Wantagh, United States; Washington DC, United States; Williamsburg, United States; Wilmington, United States; Greenwich, United States Workplace: remote $150,000–$200,000 Base Salary | $400,000–$600,000 Total Annual Earning Potential Our client, a growing alternative-financing company, is seeking a Director of Strategic Partnerships & Private Credit Origination to expand its professional referral network and generate lower-middle-market financing opportunities, typically ranging from $1M–$25M . This is a relationship-driven origination role focused on building and leveraging relationships with professional referral partners who can provide consistent, repeat deal flow. The ideal candidate will bring an established network of relationships across commercial finance and the lower-middle market, including banks, CPAs, attorneys, investment bankers, M&A advisors, financial advisors, private equity firms, family offices, independent sponsors, and other professional intermediaries. Candidates may come from private credit, commercial finance, ABL, factoring, SBA lending, equipment finance, commercial banking, M&A/advisory, investment banking, or other related areas. Experienced underwriters, credit professionals, and portfolio managers are also encouraged to apply if they have developed a strong external referral network and are interested in moving into a relationship-driven origination role. Benefits 100% employer-paid Cigna medical coverage for employees and eligible dependents 100% employer-paid basic life insurance Dental and vision insurance options Flexible spending benefits Commuter benefits Responsibilities Develop and maintain productive relationships with banks, CPAs, attorneys, M&A advisors, investment bankers, private equity firms, family offices, independent sponsors, financial advisors, and other professional referral sources. Generate qualified $1M–$25M lower-middle-market financing opportunities through an existing professional network. Build and expand referral channels capable of producing consistent and repeatable deal flow. Re-engage existing professional relationships and develop new strategic referral partnerships. Present the company's alternative-financing solutions to referral partners and prospective borrowers. Identify financing opportunities and determine whether they align with the company's credit profile and available solutions. Manage opportunities from initial introduction and qualification through underwriting, structuring, and closing. Work closely with credit, underwriting, and leadership teams to develop appropriate financing structures for prospective borrowers. Maintain consistent communication with referral partners throughout the financing process. Attend industry conferences, networking events, and professional gatherings to expand the company's referral network. Independently manage and grow a book of referral relationships and originated opportunities. Proven experience in business development, origination, strategic partnerships, relationship management, underwriting, credit, or portfolio management within commercial finance or an adjacent financial-services field. Background in private credit, ABL, factoring, commercial finance, SBA lending, equipment finance, commercial banking, M&A/advisory, investment banking, or a related area . Established relationships with professional referral sources such as banks, CPAs, attorneys, investment bankers, M&A advisors, financial advisors, private equity firms, family offices, independent sponsors, or other financial intermediaries. Demonstrated ability to generate or influence repeat deal flow through professional relationships . Experience working with lower-middle-market companies and financing transactions, ideally within the $1M–$25M range . Strong understanding of commercial credit, financing structures, and the needs of lower-middle-market businesses. Ability to identify, qualify, and communicate financing opportunities effectively. Strong relationship-building, communication, negotiation, and presentation skills. Self-motivated and comfortable independently developing and managing a book of business.

Location: Manhattan, United States Workplace: hybrid We are seeking an experienced Director of Operations to join a fast-growing company in the merchant cash advance (MCA) industry. Reporting directly to the CFO, you will lead a team of five operations professionals (three onshore and two offshore), optimize core business processes, and help scale the company's operational infrastructure in a fast-paced, high-growth environment. Responsibilities Lead, mentor, and manage a team of five operations professionals. Oversee daily operations, including deal processing, payments, reporting, and workflow management. Manage operational systems, software integrations, and third-party vendors. Troubleshoot operational and system issues to ensure business continuity. Identify opportunities to improve, automate, and scale operational processes. Develop and maintain operational documentation and best practices. Partner with leadership to optimize operations and implement new technologies when beneficial. Evaluate the existing technology stack and recommend improved systems or processes where appropriate. Proven experience leading operations teams in a fast-paced environment. Experience in the merchant cash advance (MCA), alternative lending, fintech, or similar financial services industry is required. Demonstrated success improving processes and scaling operational functions. Strong leadership, organizational, analytical, and problem-solving skills. Hands-on approach with the ability to balance strategic thinking and day-to-day execution. Comfortable working across multiple operational systems, software integrations, and third-party platforms. Experience evaluating and implementing process improvements and operational technologies. Startup or high-growth company experience is a strong plus.

Location: United States; Los Angeles, United States About Us We are a growing commercial real estate lending and investment company focused on structuring and closing high-value commercial deals across multiple asset classes. We are looking for a highly analytical and relationship-driven professional who can combine strong underwriting expertise with business development and deal origination skills. This role is ideal for someone who understands commercial real estate finance end-to-end — from sourcing opportunities and underwriting deals to structuring transactions and managing closings. Responsibilities Underwrite commercial real estate transactions across multiple asset classes including multifamily, office, retail, industrial, hospitality, and mixed-use Analyze borrower financials, rent rolls, operating statements, tax returns, and market data Build and review financial models, cash flow projections, and valuation analyses Structure loan terms and investment scenarios based on risk assessment and deal strategy Source and originate new commercial lending opportunities through brokers, borrowers, investors, and industry relationships Manage deal flow from initial screening through closing Coordinate due diligence, legal documentation, title, third-party reports, and closing requirements Present investment and lending recommendations to leadership Maintain relationships with lenders, brokers, borrowers, and capital partners Monitor market trends and identify strategic lending and investment opportunities Requirements 4+ years of experience in commercial real estate underwriting, investment analysis, mortgage banking, acquisitions, or loan origination Strong understanding of commercial lending structures and CRE financial analysis Experience underwriting income-producing properties and evaluating investment opportunities Proven ability to source, negotiate, or originate commercial deals Experience working with banks, private lenders, debt funds, bridge loans, agency financing, or institutional capital Advanced Excel and financial modeling skills Strong communication and negotiation abilities Ability to thrive in a fast-paced, entrepreneurial environment Preferred Background We are especially interested in candidates with experience in: Commercial mortgage banking CRE acquisitions or investment analysis Loan origination and capital markets Debt/equity structuring Institutional or private real estate lending What We Offer Competitive base salary + performance-based compensation Opportunity to work on high-value commercial transactions Career growth within an expanding real estate finance platform High exposure to acquisitions, underwriting, and capital markets Collaborative and entrepreneurial team environment

Location: Los Angeles, United States; California City, United States LBC Mortgage is expanding its lending division and is actively seeking an experienced Hard Money Loan Officer to join our high-performing team. We are looking for a driven, knowledgeable sales professional with direct experience in Hard Money / Private Lending . This is a results-focused role designed for someone who understands investor financing and knows how to close deals efficiently. About LBC Mortgage LBC Mortgage is a well-established mortgage brokerage committed to delivering tailored financing solutions to real estate investors and borrowers. As we continue to grow our lending portfolio, we are building a strong team of professionals who understand the urgency, complexity, and opportunity within the Hard Money space. Key Responsibilities Work directly with real estate investors seeking hard money financing Structure and present loan solutions based on LTV, ARV, and deal strength Manage the full loan lifecycle from lead intake to funding Build and maintain strong relationships with investors and referral partners Consistently meet and exceed monthly production goals Required Qualifications Proven experience in Hard Money lending (required) Strong understanding of real estate investment transactions Ability to analyze deals and assess risk quickly Excellent communication, negotiation, and closing skills Self-motivated and performance-driven What We Offer Competitive compensation structure Uncapped commission potential Strong operational and underwriting support Growth opportunities within a respected mortgage brand Access to consistent deal flow If you are experienced in hard money lending and ready to grow within a dynamic mortgage company, we would love to connect. Apply today and join the LBC Mortgage team!

Location: Russia; Belgrade, Serbia; Tbilisi, Georgia; Kazahstan, Kazakhstan; Lagos, Nigeria We are scaling our SME Lending direction and looking for a Product Manager - Lending Lead who can own the product end-to-end and drive measurable growth from day one. This role requires someone hands-on, data-driven, and commercially sharp — with real experience in building and scaling digital lending products for B2B / SME clients. We expect first tangible outcomes within 6–8 weeks . What You’ll Do Own the SME Digital Lending product lifecycle end-to-end Improve risk models, approval flows, and credit decision logic Optimize acquisition and distribution channels Drive portfolio growth while balancing risk and profitability Prioritize based on data, unit economics, and business impact Work closely with Risk, Data, Engineering, Operations, and Commercial teams Adapt proven international lending practices to the Nigerian market Requirements 4–7 years of Product Management experience Strong background in lending for SME / B2B clients Experience in international markets (Europe, LatAm, SEA, USA, UK, Russia, etc.) Solid understanding of risk frameworks, scoring, underwriting, and portfolio metrics Proven track record of scaling lending products Strong stakeholder management skills Highly data-driven decision-making approach Fluent English Benefits Remote work from anywhere in the world Performance bonus, 25+ paid vacations and day-offs, personal development plan Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.

Location: Hong Kong Who We Are: Galaxy Digital Inc. (Nasdaq: GLXY) is a global leader in digital assets and data center infrastructure, growing the economy that runs on code. Galaxy delivers the onchain infrastructure that connects institutions to digital assets, including trading, advisory, asset management, staking, self-custody, and tokenization. Galaxy also develops and operates data center infrastructure to power AI and HPC workloads. Anchored by its Helios campus in Texas, Galaxy is building a multi-gigawatt pipeline of more than 5.7 GW of potential capacity, positioning it among the largest and fastest-growing data center developers in North America. The Company is headquartered in New York City, with offices across North America, Europe, the Middle East, and Asia. Additional information about Galaxy's businesses and products is available on www.galaxy.com . What We Value: We are a diverse team of free thinkers, and fast movers united to help investors and creators energize the global economy. We are looking for individuals who thrive in a culture of builders and overachievers and embrace high performance, transparent feedback, and a mission-first approach. Our culture shapes our way of working and gets us where we want to be. Seek Excellence. Be Selective To Be Effective. Be Highly Aligned, Loosely Coupled. Disagree Transparently. Encourage Independent Decision-Making. Build Dream Teams. Who You Are: We are looking for talented software engineers to join our Lending technology team to build the next generation of crypto Lending systems. You can work independently, have strong analytical and problem-solving skills, and a desire to own issues and see them through to resolution. What You'll Do: You will work on core lending infrastructure, including collateral management, interest calculations, liquidations, and integrations with blockchain networks and traditional financial systems. Responsibilities will include: Design, develop, and maintain backend services for crypto lending and borrowing products Implement core lending logic including: Loan origination and lifecycle management Collateral valuation and margining Interest rate models and accrual Liquidation and risk management mechanisms Build reliable, scalable APIs for internal and external consumers Integrate with blockchain networks, smart contracts, custodians, oracles, and pricing feeds Collaborate with product, risk, and compliance teams to translate business requirements into robust systems Write clean, well-tested, and well-documented code Participate in code reviews and architectural discussions Monitor and improve system performance, security, and reliability in production What We’re Looking For: 10+ years of relevant development experience Excellent core Java skills Knowledge of Spring and Kafka Experience developing microservices Code optimization and profiling capabilities Bonus Points: Experience leading a team Development experience with OMS and Risk Systems Knowledge of traditional financial products Options Forwards Futures Docker / Kubernetes / AWS Knowledge of crypto Knowledge of crypto products Perpetual Forwards (perps) On-Chain Borrows / Lends What We Offer: Competitive base salary and discretionary bonus Flexible Time Off (i.e. unlimited paid vacation days) Company paid sick leave Company-paid health and protective benefits for employees, partners, and other dependents Generous paid Parental Leave Free virtual coaching and counseling sessions through Headspace Opportunities to learn about the Crypto industry Free daily snacks in-office Smart, entrepreneurial, and fun colleagues Employee Resource Groups Apply now and join us on our mission to engineer a new economic paradigm. Galaxy respects diversity and seeks to provide equal employment opportunities to all employees and job applicants for employment without regard to actual or perceived age, race, color, creed, religion, sex or gender (including pregnancy, childbirth, lactation and related medical conditions), gender identity or gender expression (including transgender status), sexual orientation, marital or partnership or caregiver status, ancestry, national origin, citizenship status, disability, military or veteran status, protected medical condition as defined by applicable state or local law, genetic information or predisposing genetic characteristic, or other characteristic protected by applicable federal, state, or local laws and ordinances. We will endeavor to make a reasonable accommodation to the known limitations of a qualified applicant with a disability unless the accommodation would impose an undue hardship on the operation of our business. If you believe you require such assistance to complete the application process or to participate in an interview, please contact careers@galaxy.com.

Location: Ikoyi, Nigeria About Renmoney Renmoney is a leading Nigerian fintech dedicated to making financial inclusion a reality for millions of under-banked individuals and small business owners. We deliver innovative loan, savings, and fixed deposit solutions, striving to be the most convenient lending company with outstanding customer experiences. Join our passionate team to build simple, accessible financial products that empower emerging and middle-class customers, including informal entrepreneurs. Role Purpose As the Senior Product Manager for Offline Lending, you will own the vision, strategy, and end-to-end delivery of personal and self-employed loan products in Nigeria’s offline market. You’ll drive Renmoney’s mission of financial inclusion by creating customer-centric credit solutions for under-served segments, such as micro-entrepreneurs and salaried workers, through offline channels like field agents and branches. Balancing strategic leadership with hands-on execution, you’ll translate market insights and field intelligence into impactful products that grow Renmoney’s offline lending portfolio. Key Responsibilities Product Strategy & Vision: Define and own the product roadmap for offline personal and self-employed loans, aligning with Renmoney’s goal of accessible finance. Identify market opportunities and competitive differentiators for under-banked segments, crafting a compelling strategy to drive portfolio growth. Customer-Centric Design: Act as the voice of the customer by conducting field research (interviews, focus groups, surveys) to understand borrower needs, especially for informal entrepreneurs. Collaborate with UX and operations teams to design intuitive, compliant loan products. Product Lifecycle Management: Lead the product development cycle from ideation to launch and optimization. Draft requirements, prioritize features, and drive Agile execution, iterating based on performance data and customer feedback. Cross-Functional Collaboration: Partner with Engineering, Credit/Risk, Operations, Marketing, and Finance to deliver scalable, compliant products. Align features with Nigeria’s regulatory requirements and Renmoney’s risk policies. Sales & Field Partnership: Work closely with sales and field teams to translate on-the-ground insights into product enhancements. Support customer acquisition and agent training to ensure product-market fit. Data-Driven Decisions: Define and track KPIs (e.g., loan approval rate, portfolio yield, repayment rates, customer acquisition cost). Use analytics to optimize products and report performance to stakeholders. Agile Execution: Drive Agile processes (sprint planning, stand-ups, retrospectives), manage the product backlog, and remove blockers. Balance strategic planning with hands-on sprint deliverables. Leadership & Mentorship: Mentor junior product managers and lead a product delivery squad, fostering collaboration, innovation, and accountability. Qualifications 5+ years of product management experience, with 3+ years in lending or financial services, ideally in offline or branch-based channels. Proven track record of delivering and scaling lending products in complex markets, preferably for under-banked segments (e.g., SMEs, micro-entrepreneurs). Bachelor’s degree in Business, Finance, Computer Science, or related field; MBA or advanced degree is a plus. Deep understanding of Nigeria’s credit ecosystem, offline lending landscape, and alternative credit data for informal borrowers. Expertise in Agile/Scrum methodologies, backlog management, and analytics tools (e.g., SQL, Excel). Strong analytical skills to break down complex problems and make data-driven decisions. Excellent communication and leadership to align cross-functional teams and influence without formal authority. Familiarity with sales/CRM platforms (e.g., Salesforce) to drive adoption. Passionate about financial inclusion, customer advocacy, and innovation. Proactive, detail-oriented, and thrives in a fast-paced fintech environment. Requirements A passionate and experienced product leader with a minimum of 5 years in financial services product management, ideally focused on lending products. A strategic thinker with a deep understanding of lending products, market dynamics, and regulatory requirements in the Nigerian financial landscape (MBA or advanced degree a plus). A data whiz with a knack for translating insights into actionable product strategies. A natural collaborator with excellent communication and interpersonal skills to build strong relationships across teams. A customer champion with a dedication to delivering exceptional loan experiences for both salaried workers and self-employed individuals. Adept in product management tools and software. Benefits Make an Impact: Drive affordable credit solutions that transform lives for under-banked Nigerians. Grow with Us: Join a dynamic fintech with opportunities to lead, innovate, and shape the future of lending. Collaborative Culture: Work with a passionate, diverse team that values your ideas and celebrates excellence. Innovate Boldly: Leverage data and technology to challenge the status quo in Nigeria’s financial services

Location: Limassol, Cyprus Workplace: hybrid We are looking for a hands-on Risks Ops to own and evolve our core Decision-Making System (DMS) and credit processing engine. In this role, you will bridge the gap between risk management, and core engineering, leading a focused team of developers to design, build, and optimize high-throughput, low-latency decisioning engines. You will play a pivotal role in streamlining time-to-market for credit strategy changes, integrating advanced ML scoring models, and replacing legacy software with modern, scalable, in-house microservices architecture. Key Responsibilities Technical Leadership & Ownership: Take full ownership of the end-to-end Decision-Making System (DMS) lifecycle, including system architecture, deployment pipelines, production monitoring, continuous code cleanup, and performance optimization. Cross-Functional Collaboration: Partner closely with Risk Analysts and Data Scientists to translate complex business logic, risk rules, and ML scoring models (application, behavioral, fraud) into production-ready software. Team Leadership & Delivery: Implement core logic of DMS system to suit the needs of InDrive's lending vertical. Code reviews, release management, and performance evaluations while fostering an efficient, agile environment. Process Optimization: Reduce time-to-market for credit strategy updates by modernizing delivery workflows, introducing automated regression/retrospective testing, and eliminating dependencies on legacy release cycles. Architecture & System Integration: Drive the evolution of our high-volume microservices ecosystem (Golang, AWS). Integrate internal and external services (credit bureaus, collection platforms, fraud detection services) via REST APIs and event-driven pipelines. Skills, Knowledge and Expertise Fintech & Credit Decisioning Expertise: 7+ years of total backend engineering experience, with deep domain expertise in financial technology, credit conveyors, loan processing, debt collection systems, or automated decisioning engines. Risk-Ops experience: be familiar with any popular decision-engine (gorules, n8n, camunda, SAS RTDM, FICO Blaze Advisor etc…) Stack: Strong expertise in Golang / Python, and build tools (Gitlab CI), AWS-related experience will be a huge plus. Data Management: Proficiency with relational and non-relational databases (MySQL, AuroraDB, DynamoDB, GBQ). DevOps, CI/CD & Observability: Hands-on experience with modern CI/CD tools (GitLab CI, GitHub Actions), containerization (Docker), and system monitoring tools (Prometheus, Grafana). Why join us Help us challenge injustice by creating fair choices for millions of people across 47 countries. Develop your professional skills with access to mentoring, career consulting, and learning programs. Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program. Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects. Work alongside people who take initiative, speak openly, and challenge themselves to grow. Improve your language skills through co-financed courses and internal speaking clubs. Annual salary from 75 600 EUR gross. Final benefits may vary depending on the location.

Location: Belgrade, Remote Workplace: remote Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. Over 25 million users choose Tabby to stay in control of their spending and make the most out of their money. The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 70,000 global brands and small businesses, including Amazon, Noon, IKEA, and SHEIN use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores. Tabby generates over $18 billion in annual transaction volume for its partner brands and is the highest-rated, most-reviewed, largest, and fastest-growing FinTech in the GCC region. Tabby launched in 2019 and has since raised +$1 billion in equity and debt funding from global and regional investors, and is now valued at $6,5 billion. About the role We are looking for a Senior Product Manager with a strong business and technical background to join our Statements team in the Core Platform Domain. The team owns the statement and billing engine behind Tabby’s card products. You will be the Billing team’s go-to partner for Tabby Card. You’ll own all billing functionality the card needs, advise on what’s feasible from a platform, financial and compliance perspective, and shape the rules and architecture behind new card products and markets. This is a highly cross-functional role, great for someone who has built or run card billing, card management or ledger platforms and wants to own how a credit product works under the hood. What you will be doing Partner with Tabby Card product teams on all billing functionality and advise on platform, financial and compliance feasibility Own the billing and statements roadmap across existing and next-generation card products Define the core billing mechanics (statement cycles, minimum payment, repayment rules, installment plans and refunds) and shape the underlying data model and architecture with engineering Translate regulatory and accounting requirements into product requirements with Compliance and Finance Align scope and dependencies with adjacent teams: lending, risk, collections, support and finance Prioritize the backlog and support engineering and QA on requirements and edge cases What we are looking for 3+ years in product management with a strong focus on LMS, billing, core banking, lending, or ledger platforms Experience with platform products in a regulated financial environment Upper-Intermediate English or higher Strong at turning complex business and regulatory rules into precise, implementation-ready specs Hands-on with SQL and product architecture: comfortable designing data models, service interactions and API contracts with engineers Active use of AI tools in daily work, such as prototyping, data analysis, spec writing and automating routine tasks Good understanding of API and integration design: REST, gRPC Strong plus Experience in fintech, payments, banking, wallets, cards, or ledger/accounting domains Familiarity with platforms such as Thought Machine, Mambu, Galileo, Marqeta or TSYS Understanding of double-entry accounting and reconciliation What success looks like In this role, success means you can: Turn ambiguous financial or product requirements into clear, scalable platform designs Help teams implement changes safely in critical money movement systems Improve consistency across products by designing reusable CoreBank capabilities Grow from owning requirements into shaping the direction and evolution of the platform Benefits Locations We hire candidates based within four hours of Dubai time , with remote work available in eligible locations. Depending on your circumstances, we can also discuss an individual relocation plan to our hubs in Armenia, Georgia, Serbia, Poland, and Spain. What you can expect Flexible working hours, coordinated with your team and the needs of your role. Autonomy and responsibility from day one. Opportunities to grow through the quality and impact of your work. Participation in our employee stock option program. We’re committed to an inclusive, high-performing workplace where people from different backgrounds have the support to grow and achieve their goals. If this sounds like the right opportunity for you, we’d love to hear from you.

Location: Belgrade, Remote Workplace: remote Tabby creates financial freedom in the way people shop, earn and save by reshaping their relationship with money. Over 25 million users choose Tabby to stay in control of their spending and make the most out of their money. The company’s flagship offering allows shoppers to split their payments online and in-store with no interest or fees. Over 70,000 global brands and small businesses, including Amazon, Noon, IKEA, and SHEIN use Tabby to accelerate growth and gain loyal customers by offering easy and flexible payments online and in stores. Tabby generates over $18 billion in annual transaction volume for its partner brands and is the highest-rated, most-reviewed, largest, and fastest-growing FinTech in the GCC region. Tabby launched in 2019 and has since raised +$1 billion in equity and debt funding from global and regional investors, and is now valued at $6,5 billion. We’re looking for a Senior Technical Product Manager with a strong system analysis background to join Tabby’s Financial Platform domain. Every product Tabby launches passes through this domain. We define the financial logic behind each product: how it charges, settles, accounts, and reports. We make sure every launch meets regulatory and financial audit requirements, and we turn one-off needs into reusable platform solutions that the rest of the company builds on. This is a cross-functional role spanning product, system design, financial operations, and platform architecture. It suits you if you want to shape how the financial side of every product is designed, and to see those designs through to robust, best-in-class implementation. What you’ll do: Turn business, product, finance, and regulatory needs into clear system requirements and implementation-ready specifications Define how money and financial data flow end to end across products, partners, and internal systems, from transaction to accounting record Contribute to platform architecture and service interaction design across product services and CoreBank components Work with PMs, engineers, Finance, Compliance, and adjacent teams to define scope, dependencies, and delivery phases Identify the services, integrations, and teams affected by each change Shape and prioritize the team backlog with the product lead Support engineering and QA through implementation, covering edge cases, expected behavior, and incident analysis Keep technical and functional documentation current and usable for engineers and business stakeholders alike What you’ll bring: 3+ years as a Technical PM, System Analyst, or Business Analyst Upper-Intermediate English or higher Ability to break down large business processes into clear technical flows Experience with distributed, service-based architectures Solid API and integration design knowledge (REST, SOAP, gRPC) Strong documentation skills: functional specs, sequence diagrams, state models, API contracts, data models Knowledge of UML, BPMN, or similar notations Strong plus: Fintech, payments, banking, wallets, cards, lending, or ledger/accounting experience Hands-on work with financial transactions, reconciliation, or money movement systems Exposure to regulated environments, such as central bank requirements or e-invoicing ERP integration experience (NetSuite or similar) Product mindset and appetite for broader ownership over time What success looks like: Ambiguous financial, product, or regulatory requirements become clear, scalable platform designs Teams ship changes safely in critical money movement systems Reusable platform capabilities improve consistency across products You grow from owning requirements into shaping the direction of the platform What we offer: Full-time B2B contract Up to 20% tax allowance 22 paid leave days annually Stock options (ESOP) in a fast-scaling, pre-IPO company Flexi benefits you can use for wellness, travel, or learning Work alongside a high-performing, international engineering team in a global fintech unicorn Relocation support is available to our hubs in Armenia, Georgia, Serbia, Portugal, and Spain, including flights, temporary accommodation, and legal setup (if needed).

Location: Riyadh, KSA Workplace: onsite This is a role for a true hunter. We are scaling one of the fastest-moving BNPL platforms in the region, and we are looking for a hungry, self-driven Business Development Executive to take our SME merchant acquisition engine to the next level. This is a 100% outbound sales role — there are no inbound leads and no pre-assigned deals. You'll be set up with the tools and prospect lists to hit the ground running, but building your pipeline from zero is on you. You will own the full sales cycle end-to-end: identifying high-potential SME merchants, opening doors with founders and decision-makers, running consultative discovery, pitching game-changing financial solutions, negotiating commercial terms and driving merchants all the way through onboarding to live activation. If you thrive in a fast-paced, high-growth, entrepreneurial environment, love the thrill of the close, and want real ownership from day one — this is your seat. Key Responsibilities Build the Pipeline — From Zero • Own end-to-end pipeline generation through relentless, self-generated outbound activity. • Use the tools and prospect lists provided as a launchpad — then take the pipeline far beyond them. • Research and map high-potential SME merchants, verticals and micro-markets. • Identify and engage business owners, founders and key decision-makers. • Execute high-volume cold calling, multi-channel outreach, field visits and merchant meetings. • Consistently generate qualified opportunities with zero reliance on inbound or marketing-sourced leads. • Keep the funnel healthy — continuously replenish, qualify and prioritise. • Use CRM and sales data to track your KPIs, read your funnel and sharpen conversion. Sell, Close, Activate • Own opportunities end-to-end: prospect > discovery > pitch > close > onboarding > activation. • Run consultative, value-based discovery with SME owners to uncover real business pain. • Pitch and sell BNPL, LTF and our expanding suite of merchant financial solutions. • Deliver compelling product demos and tailored commercial proposals. • Handle objections with confidence and drive deals to signature. • Stay hands-on until the merchant is fully live and transacting. Commercial & Negotiation • Lead commercial conversations with SME merchants and articulate clear value. • Negotiate within approved commercial frameworks to land win-win outcomes. • Secure the right internal approvals and keep deals moving at pace. • Escalate complex commercial matters appropriately — while retaining full ownership of the opportunity. Cross-Functional Collaboration • Partner closely with Risk, Scoring, Onboarding, Product and Operations. • Understand internal requirements and constraints and work with them, not around them. • Proactively chase down blockers and drive outstanding actions to closure. • Act as the bridge between the merchant and internal stakeholders. • Feed merchant insight and market intelligence back into the business. Merchant Experience & Growth • Support merchants through a smooth, friction-free onboarding journey. • Drive activation and follow up post go-live to ensure adoption. • Spot early issues, capture merchant feedback and route it to the right teams. • Be genuinely merchant-obsessed — the relationship does not end at signature. Product & Market Agility • Become a subject-matter expert on BNPL and LTF. • Ramp fast on new propositions as they launch — including SME Financing and Tabby Card. • Adapt pitch, positioning and messaging as products, processes and market conditions evolve. • Thrive in ambiguity — we are building as we scale. Skills, Knowledge and Expertise • 1–2 years of professional experience in sales, business development or another target-driven commercial role. • Proven outbound sales and prospecting track record — you have personally generated your own pipeline. • Demonstrated ability to create opportunities independently, from a standing start. • Bachelor's degree. • Fluent Arabic and English. • Exceptional communication, presence and interpersonal skills. • Strong commercial acumen and negotiation ability. • Comfortable and energised by a target-driven, high-accountability environment. • Ability to independently own, manage and forecast a pipeline. • Comfortable working with CRM and sales data — tracking KPIs, analysing your funnel and prioritising on evidence (Excel / Google Sheets level) • Grit, resilience, persistence and relentless follow-through. Nice to Have (Not a Deal-Breaker) • B2B or SME sales exposure. • FinTech, BNPL, payments, banking or lending background. • Financial or technology solution selling. • Merchant acquisition or field sales experience. • Track record selling directly to business owners and decision-makers. • CRM proficiency and data-driven pipeline discipline. • Strong Excel / Google Sheets and CRM reporting — pivot tables, dashboards, basic funnel analysis. Benefits We are an international team of inspired professionals located all over the globe. We  have an inclusive company culture, embracing diversity, integrity and transparency. We strive for work-life balance and cherish the moments you spend with your loved ones, off-work. In the same spirit as for our product, we are caring and nurturing for our employees. Our people are granted 100% trust and freedom to apply their own vision and come up with their ideas from day 1 at Tabby. You are the one who takes responsibility for your area of work. We encourage everyone to think and make decisions like Tabby was their own business, well because it is. Our employee stock options programme is available for everyone. You will have an opportunity to learn and grow in one of the fastest growing fin tech companies in the region We offer you relocation support as well as we guide you through all the process. We’ll set you up with the devices required for your work.

Location: Kuwait City, Kuwait Workplace: onsite About Tabby: Tabby is the GCC's leading shopping and payments platform, giving millions of people across Saudi Arabia and the UAE more control in the way they spend, save and earn. Headquartered in Riyadh, we've grown into one of the largest fintech companies to come out of the Arab world, working with +65,000 sellers, from global names like Apple, IKEA, Adidas and Shein to the region's leading retail groups. We're now building a local team on the ground in Kuwait, with a renewed presence in the market coming soon. This is a rare chance to join us at the start of a local launch, shaping how we show up for Kuwaiti shoppers and sellers from day one, backed by the scale, technology and track record we've built across the region. If you want to help us build something significant in Kuwait, backed by proven regional success, we want to hear from you. About the role: We are looking for a hands-on Senior Risk Manager to help build Tabby’s risk capabilities in Kuwait, with combined responsibility for enterprise and credit risk. As one of our first local hires, you will establish the governance, policies, risk appetite and reporting required for launch, while providing credit risk oversight as the portfolio grows. You will work closely with Kuwait leadership and Group Risk, as well as Product, Compliance, Finance and Operations, to ensure we scale responsibly and meet local regulatory expectations. Key Responsibilities Building and maintaining Tabby’s local risk management framework for Kuwait, covering enterprise and credit risk and aligning it with Group standards and applicable regulatory requirements. Developing the local risk strategy, risk appetite statement, policies, limits, governance forums and management reporting required for launch and ongoing operations by aligning with Group standard and adapted to local requirements Owning the enterprise risk process, including risk identification and assessment, the risk register, key risk indicators, emerging-risk reviews, residual risk positions and remediation tracking. Providing independent risk challenges on new products, partnerships, customer journeys, operating models and other material business initiatives. Leading local credit risk oversight across the customer lifecycle, including underwriting and eligibility rules, credit limits, affordability, collections outcomes and portfolio quality, focusing on local regulatory requirements. Partnering with Group Risk and Product teams to calibrate credit strategies for Kuwait and assess model, policy and limit changes. Establishing clear early-warning indicators, thresholds and reporting to support timely, data-informed risk decisions. Preparing risk assessments, reporting and recommendations for local leadership, risk committees, the Board and regulators, as applicable. Supporting licensing activities, regulatory submissions, examinations and information requests in partnership with Compliance, Legal and other control functions as well as acting as primary risk contact for Internal Audit Coordinating risk input into business continuity, outsourcing and third-party risk, operational incidents and control assessments. Promoting a practical risk culture and helping teams understand how risks should be identified, assessed, escalated and managed as well as ensuring material risks and control gaps are escalated and addressed at the right level. Helping shape the future Kuwait risk organisation and supporting hiring as the business scales. You should apply if You have strong risk management experience within banking, fintech, consumer lending, payments or another regulated financial-services environment. You bring meaningful hands-on experience across both enterprise risk and credit risk, rather than exposure limited to governance or oversight. You have built or materially improved risk frameworks, policies, risk appetite, governance structures, reporting and control processes. You understand consumer credit risk across underwriting, credit policy, portfolio monitoring, collections performance and loss drivers.. You understand enterprise risk disciplines including risk and control assessments, KRIs, incident and issue management, operational resilience, third-party risk and emerging risks. You understand the Kuwait regulatory environment; experience engaging with the Central Bank of Kuwait or another GCC financial-services regulator. You can operate independently in a new-market environment and are comfortable building the essentials yourself before a wider team is in place. You can balance strong governance with practical, proportionate execution and constructively challenge senior stakeholders when required. You communicate complex risk topics clearly and can prepare decision-ready materials for leadership, governance forums and regulators. You work effectively across Product, Data, Operations, Compliance, Finance, Legal and Internal Audit. You hold a bachelor’s degree in Finance, Economics, Risk Management, Business, Mathematics or a related field; FRM, PRM, CFA or a comparable qualification is an advantage. You are professionally fluent in English; Arabic is an advantage

Location: Bangalore (Hybrid) ABOUT ONEPAY OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: - Ready to run - Hungry and driven by urgency - Exceptional at what they do, with low ego - Comfortable operating in motion THE ROLE Software Engineers at OnePay build the products & systems that serve our customers and run our company. Besides writing, reviewing, and shipping code, engineers collaborate with others across the company, from product, design, and data to, customer support, ops, and compliance. Software Engineers at OnePay are highly technical, communicative, and emotionally intelligent. This role is responsible for: - Working closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems.  - Building and maintaining documentation. As a growing and remote organization, having the necessary docs are key to our success.  - Solving complex problems that arise at scale. We deal with real-world money movement, sensitive financial data at scale, and are creating novel financial mechanics with no real precedent. YOU BRING - 4+ years professional experience building, shipping — and growing — non-trivial products & services. - Professional experience building, shipping — and growing — non-trivial products & services. - We are hiring at all levels of seniority for backend engineers. - Passion for your craft and care for the people you work with. You value quality across code, communication, and culture. - An act-like-an-owner mentality. We have a bias toward taking action. - A desire to keep growing your skills, and an ability to learn quickly. We hope you’ll be here for a while, and there’s no better investment than in our people. - The Triple H Factor: Hungry, Humble, Honest TOOLS WE USE We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly. WHAT WE OFFER - Competitive salary, stock options, and benefits from Day 1 - Comprehensive health insurance coverage (health insurance, accident and disability insurance, term life insurance), including mental health support and wellness programs - Hybrid work model (Bengaluru office three days a week), various time off programs (vacation, sick, other paid leaves, and paid regional holidays) - Monthly transport and work-from-home allowances - A high-growth, mission-driven, inclusive culture where your work has real impact STANDARD INTERVIEW PROCESS Our process varies by role. Most candidates go through: - AI-assisted initial screen - Interview with Talent Partner - Technical or Hiring Manager Interview - Team Interview - Executive Interview - Offer! EQUAL EMPLOYMENT OPPORTUNITY To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.