Senior Supervisor, Product And Business Development
Purpose of the job
Own the multi-product roadmap and partner strategy for Direct Installments, BNPL, and Cards. Translate business goals into compliant, high-quality product journeys across Orange's owned channels (retail, My Orange, Orange Cash). Lead external partnerships (e.g., issuer/bank, processors, merchant partners), vendor integrations (phase 1: LMS), and commercial constructs that maximize risk-adjusted GMV, conversion, and customer satisfaction while operating under the FRA Consumer Finance Service Provider license.
Duties and responsibilities
Product strategy & roadmap
Define and maintain the 12–18-month roadmap for Direct Installments, BNPL, and Cards, aligned with P&L targets and compliance/risk appetite.
Prioritize epics/features via clear business cases, target metrics, and dependency maps; manage timelines and release plans.
Journey design & delivery
Own end-to-end customer journeys (apply, decision, disbursement, servicing, collections handoffs) across Orange channels.
Specify functional requirements/user stories; coordinate with Tech for LMS integration and future CRM/BI/martech selections.
Ensure accessibility, performance, and operational readiness (process, SOPs, training, SLAs).
Business development & partnerships
Source, negotiate, and manage partners (e.g., merchant/acquiring, card program partners, distribution alliances) to grow GMV and take-rate.
Structure commercials, SLAs, data sharing, and integration plans; coordinate with Legal/Compliance.
Pricing, offers & conversion
Co-own pricing parameters (fees, discount rates, promos) with Growth & CVM, ensuring alignment to risk appetite and unit economics.
Instrument funnels and A/B tests to improve conversion, activation, and repeat use; monitor drop-offs and rectify root causes.
Risk, compliance & audit alignment
Embed Head of Risk Management policies (underwriting rules, scoring-engine outputs, overrides, limits) into product logic and journeys.
Ensure regulatory compliance for all features/flows; support Compliance and Internal Audit independence (dotted line to Audit & Compliance Committee).
Data, metrics & quality
Define product KPIs, dashboards, and guardrails (e.g., approval rate vs. target loss, TAT, defect/incident rates).
Establish post-launch monitoring, issue management, and continuous improvement cadences.
People & vendor management
Build and mentor the Product & BD team (POs and BD); set OKRs, run sprint rituals, and drive cross-functional delivery.
Manage vendor/partner performance to SLAs; escalate and resolve delivery risks early.
Job specification
Education
Bachelors in Business, Engineering, Information Systems, or Economics.
Experience
5 to 8 years in financial services (bank/NBFI) and telecoms, including leading product management for credit products (installments, BNPL, cards) and in business development/partnerships.
Product delivery: Proven record shipping high-impact features/journeys across web, app, and retail; strong backlog/epic management and cross-functional execution.
Partnerships: Negotiated and managed partners (issuers, processors, merchants, channels) with measurable commercial outcomes.
Risk & compliance fluency: Comfortable embedding underwriting policies outputs; experience working under regulated environments (FRA or equivalent).
Tech & data: Strong grasp of LMS integrations (Comviva is a plus), APIs, data contracts, and instrumentation; competency with analytics and A/B testing.
Stakeholder: Excellent coordination with Growth & CVM, Risk, Compliance, Retail Ops, Tech, and Legal.
Language & background: Arabic required; fluent English. Financial services background mandatory; telecom experience is a strong plus.
At Orange, only your skills matter.
Regardless of your age, gender, background, origin, religion, sexual orientation, disability, neurodiversity, or appearance, we actively encourage diversity within our teams, as it is a collective strength and a driver of innovation.
Orange is a disability-inclusive employer: please feel free to let us know about any specific needs you may have.