Lead Business Analyst - Lending & Pay Later Products

We are seeking a Lead Business Analyst to drive insights, strategy, and process optimization across our Pay Later and Cash Loan ecosystem. The ideal candidate will bring deep expertise in consumer lending models such as Buy Now Pay Later (BNPL), Send Now Pay Later (SNPL), and Cash Now products with strong exposure to digital payments, credit risk analytics, and collections optimization. You will play a key role in bridging data, product, and operations, defining metrics, building models, and enabling business growth through data-led decision making.

• Lead business analysis across the lending and pay later lifecycle - from origination to repayment and collections.
• Translate data into actionable insights that improve portfolio performance, conversion rates, and recovery outcomes.
• Partner with Product, Engineering, and Risk teams to design, launch, and optimize loan, SNPL, and overdraft features.
• Define KPIs and dashboards to monitor credit performance, user journeys, and transaction health.
• Develop business cases and recommend strategies to enhance credit approval, limit assignment, and collections efficiency.
• Collaborate with external partners (wallets, payment gateways, and consumer platforms) for integration and data exchange.
• Identify risks, trends, and customer behavior patterns using data analytics and predictive modeling.

• Bachelor's or Master's degree in Business, Data Analytics, Economics, or a related field.
• 5+ years of experience as a Business Analyst, ideally within BNPL, SNPL, Pay Later, or Digital Lending ecosystems.
• Strong understanding of consumer credit journeys, risk scorecards, and collections analytics.
• Hands on experience in building or managing BI dashboards (Power BI, Tableau, Looker) and SQL based analytics.
• Proven experience collaborating with product, data, and fintech teams in agile environments.
• Exposure to on demand or B2C platforms in fintech, mobility, or digital payments domains.
• Excellent analytical, communication, and stakeholder management skills.

Mid Senior level

Full time

Strategy/Planning, Analyst, and Research

Financial Services, Technology, Information and Internet, Telecommunications

Abu Dhabi, United Arab Emirates