Business Development Manager – SME Lending and Partnerships

Overview

Role Overview

Borrower Acquisition & Business Development

• Identify, engage, and acquire SME borrowers requiring working capital and business financing solutions.
• Build and maintain a strong pipeline of qualified financing opportunities.
• Conduct borrower meetings, needs assessments, and financing discussions.
• Present and position suitable financing solutions based on borrower requirements.
• Drive opportunities through the complete sales cycle from lead generation to disbursement.

Relationship Management

• Serve as the primary relationship manager for prospective and existing borrowers.
• Develop long-term relationships with founders, business owners, finance teams, and key stakeholders.
• Drive repeat utilization, renewals, and cross-selling opportunities.
• Ensure a high-quality borrower experience throughout the financing lifecycle.
• Act as a trusted advisor to clients regarding working capital and funding requirements.

Partnership & Channel Development

• Identify, develop, and manage partnerships that can generate qualified borrower opportunities.
• Build relationships with:
• Payment providers and payment gateways
• POS and merchant service providers
• Accounting and tax advisory firms
• Business consultants and corporate service providers
• Marketplace and e-commerce ecosystem partners
• ERP and business software providers
• Industry associations and SME communities
• Referral partners, brokers, and DSA networks
• Develop channel strategies that contribute to sustainable borrower acquisition.

Ecosystem Development & Market Expansion

• Identify new borrower segments, industries, and financing opportunities.
• Build relationships within the broader SME ecosystem to strengthen Fincobox's market presence.
• Represent Fincobox at networking events, industry forums, and ecosystem engagements.
• Monitor market trends, competitor activities, and evolving borrower requirements.

Deal Coordination & Internal Collaboration

• Coordinate closely with Credit, Risk, Operations, Product, and Management teams.
• Assist borrowers in documentation, onboarding, and application processes.
• Facilitate smooth progression of financing opportunities through underwriting and approval stages.
• Maintain accurate records, pipeline updates, and activity tracking within CRM systems.

Preferred Experience

• 3–6 years of experience in SME banking, fintech lending, NBFCs, trade finance, business banking, or B2B financial services.
• Strong SME relationship management experience within the UAE market.
• Proven track record in business development, borrower acquisition, and client relationship management.
• Experience working with SME owners, founders, finance teams, and commercial decision-makers.
• Exposure to lending products such as working capital finance, invoice financing, trade finance, business loans, merchant financing, or revenue-based financing is preferred.
• Existing network within the UAE SME ecosystem will be an advantage.

Skills & Competencies

• Strong relationship-building and stakeholder management skills.
• Excellent communication, presentation, and negotiation abilities.
• Strong commercial acumen and business development mindset.
• Ability to build partnerships and identify new growth opportunities.
• Strong organizational and pipeline management capabilities.
• Self-driven, entrepreneurial, and results-oriented approach.
• Ability to work cross-functionally in a fast-paced environment.

Educational Qualifications

• Bachelor's Degree in Business, Finance, Banking, Economics, Commerce, or a related field.
• Relevant banking, financial services, or lending certifications are an advantage.