Business Analyst & Product Lead (MSME) Financing

Reporting: Head of Finance & Compliance

Dotted Reporting: CEO

Location: Islamabad- Pakistan

Role Overview

WFS is expanding into MSME financing, a new revenue stream. This role exists to create, structure, and launch a profitable MSME financing product from scratch, including unit economics, risk rules, and operational flow, so that once live, a business lead can scale it.

Core Responsibilities

• Design end-to-end MSME financing product: underwriting rules, credit limits, pricing, tenure, and repayment models
• Define unit economics & contribution margin targets for the product
• Collaborate with Sharia, Tech & Ops to build systems and flows for loan origination, disbursement, and collections
• Work with Sharia, Risk & Compliance to embed credit & regulatory safeguards
• Conduct market research to identify MSME needs, competitors, and viable segments
• Build dashboard & metrics framework to track P&L, disbursements, collections, and defaults
• Ensure go-live readiness, including pilot testing, partner integration, and operational SOPs
  
  

Ideal Profile

• 2–5 years experience in fintech product design, lending, or MSME finance
• Hands-on in building products end-to-end (from concept to go-live)
• Strong understanding of unit economics, credit risk, and collections flow
• Comfortable working cross-functionally (Tech, Ops, Risk, Finance)
• Execution-focused, able to deliver under tight timelines
  
  

Short-Term KPIs (0–90 / 180 Days)

• Complete end-to-end product design (pricing, credit rules, operational flow)
• Conduct pilot test with X MSMEs and document learnings
• Build ready-to-launch dashboards & reporting framework
• Ensure product is regulatory & Shariah compliant
• Define unit economics to ensure positive contribution margin at launch
  
  

Long-Term KPIs (6–18 Months)

• Product live with first disbursements to MSMEs
• Achieve initial portfolio quality targets (default rate ≤ X%)
• Provide repeatable SOPs & playbooks for business lead to scale
• Support integration with digital channels, payment partners, and collections
• Deliver product within planned timeline & budget