**Role Description
We are looking for a senior BNPL expert to lead the financial and operational core of QST, a new Buy Now, Pay Later platform built on new infrastructure, launching in Kuwait and Saudi Arabia.
This is a founding-level role for someone who has built or run a BNPL or consumer-lending business before, and who understands the numbers behind it in depth.
Key Responsibilities
• Design the full BNPL financial model: fees, instalment structures, margins and unit economics per transaction
• Set pricing and fee ratios for buyers and sellers, and optimize them for profitability and growth
• Build and manage the credit risk framework: scoring, approval limits, default rates and collections
• Manage accounting for receivables, provisioning and expected credit losses (IFRS 9)
• Structure funding with banks and financing partners, including credit facilities and cost of capital
• Lead licensing and compliance with CBK and SAMA regulations
• Track and report key metrics: approval rate, default rate, loss rate, take rate and CAC/LTV
Qualifications
• 5+ years of experience in BNPL, consumer lending, payments or credit at a FinTech or bank
• Hands-on experience launching or operating a BNPL or instalment product
• Strong background in finance and accounting (CFA, CPA, ACCA or equivalent is a plus)
• Deep understanding of credit risk modeling and lending unit economics
• Experience working with banks on funding facilities or partnerships
• Knowledge of GCC financial regulations, especially Kuwait and Saudi Arabia
• Strong analytical skills and advanced financial modeling in Excel
• Arabic and English
What We Offer
• A founding role in a FinTech with a clear path to scale across the GCC
• Competitive package with potential equity for the right candidate
• Direct work with the founder on strategy, product and fundraising**
