Job Description

The Business Line Owner (BLO) for "Buy Now, Pay Later (BNPL)" and "Fintech Applications" is responsible for driving the development, growth, and success of the BNPL product line within a fintech ecosystem. This individual will lead the strategic direction, product innovation, and operational execution to ensure that the product meets market demand and business objectives. The role requires a deep understanding of the fintech landscape, customer needs, and regulatory environments.

 Responsibilities

Strategic Leadership:

   - Develop and execute the business strategy for the BNPL and fintech application line, ensuring alignment with overall company goals.

   - Identify growth opportunities in BNPL and other relevant fintech segments, including market expansion, partnerships, and new product offerings.

   - Stay ahead of trends in the fintech industry, particularly around BNPL, to anticipate future opportunities and challenges.

Product Management:

   - Own the product lifecycle of BNPL services, from concept to launch, ensuring that products are competitive and aligned with market needs.

   - Collaborate with design, engineering, and data science teams to create user-centric fintech applications that are scalable and innovative.

   - Continuously monitor and enhance the user experience (UX) for BNPL products, using data-driven insights to optimize customer engagement and satisfaction.

 Financial and Operational Oversight:

   - Drive the financial performance of the BNPL product line, including budgeting, P&L management, and revenue forecasting.

   - Track key performance indicators (KPIs) and use analytics to assess the effectiveness of product strategies and make data-driven decisions.

   - Ensure compliance with regulatory requirements and risk management policies, particularly in credit and payment sectors.

 Customer & Market Insights:

   - Conduct market research and gather customer feedback to identify pain points and areas for product improvement or innovation.

   - Partner with marketing and sales teams to develop go-to-market strategies, ensuring strong market positioning and customer acquisition.

 Stakeholder Management:

   - Coordinate with internal teams (e.g., engineering, marketing, finance) to ensure alignment and smooth execution of product initiatives.

   - Manage relationships with external partners, such as payment processors, credit providers, and merchants, to enhance the BNPL offering.

 Team Leadership:

   - Lead and mentor a cross-functional team responsible for delivering the BNPL product line, ensuring high performance and collaboration.

   - Foster a culture of innovation, agility, and customer-centric thinking within the team.

Requirements:

- Experience: 5-7 years in product management, strategy, or business development within the fintech or financial services industry, with at least 2-3 years of experience in BNPL or related fields.

- Skills: Strong leadership, project management, and stakeholder management skills; expertise in product development lifecycle; deep knowledge of fintech trends and BNPL models.

- Education: Bachelor’s degree in business, finance, or a related field; an MBA or equivalent advanced degree is a plus.

Key Competencies:

- Strategic thinking and business acumen

- Customer-focused product development

- Strong financial management and analytical skills

- Adaptability to the fast-paced fintech environment

- Excellent communication and leadership skills