Growth Manager, Botim For Business

About the Role
We are seeking a highly analytical and execution-focused B2B Growth Manager in SME Lending to drive the acquisition, activation, and growth of SME customers across the company's ecosystem. This role will own the end-to-end growth funnel for SME Lending, which includes identifying and acquiring high-potential businesses, as well as driving the processes of application, approval, disbursement, repeat borrowing, and cross-selling. The Growth Manager will collaborate with various stakeholders from Product, Credit/Risk, Sales, Partnerships, and Data, leveraging the company's first-party ecosystem, digital channels, partnerships, and experimentation to build scalable growth engines for SME lending.

Responsibilities
1. SME Acquisition & Lead Generation:

• Build and execute the growth strategy to acquire qualified SME borrowers.
• Identify high-potential SME segments using the company'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 company's 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 behavior, business size, engagement, and credit eligibility.
• Collaborate 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 company's Ecosystem

• Build cross-sell loops across the company's growing B2B financial ecosystem, identifying opportunities such as:
  • Acquiring / POS → SME Lending
  • WPS / Payroll → SME Lending
  • B2B Remittance → SME Lending
  • Merchant Transactions → Pre-qualified Lending Offers
• Turn the company'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.