Fortis is expanding its SME Financial Services offering and seeking a Head of Banking Products to build, launch and scale our full suite of SME banking solutions. This is a business leadership role with ownership over P&L, commercial strategy, banking partnerships and market expansion across selected MENA markets.

You will define the strategy, economics and execution model for our SME Banking Products portfolio — spanning accounts, cards, spend management, cash management and embedded credit — ensuring they deliver clear, repeatable value to SME merchants.

What You’ll Do

• Own and scale the SME Banking Products portfolio, including full P&L responsibility across revenue, margins, unit economics and investment planning.
• Define the multi-year vision and roadmap for SME financial products: accounts & wallets, corporate/expense cards, spend controls, cash management, reconciliation flows, credit lines and value-added financial services.
• Identify unmet financial needs of SMEs and translate them into high-impact, scalable banking propositions with clear commercial outcomes.
• Architect the commercial, operational and partner-bank models supporting product delivery (account issuing, card issuing, lending, compliance frameworks).
• Lead end-to-end go-to-market strategy, including proposition design, pricing models, partner enablement, distribution channels, and onboarding funnels.
• Build robust and compliant product economics, ensuring clarity on revenue models, cost drivers and sustainable contribution margins.
• Develop business cases, investment approaches and launch plans for new SME financial products and regional expansions.
• Partner closely with Product, Growth, Sales and Customer Success to drive merchant adoption, activation and retention.
• Lead expansion into selected MENA markets based on product readiness, banking partner availability and market economics.
• Continuously evaluate SME banking trends, competitor offerings and regulatory shifts to inform strategy and prioritization.

• 8+ years in banking, fintech, neobanking or embedded finance, focused on SME or business banking.

What you will need

• Fluency in English and Russian; additional languages are a plus.
• Proven track record of building, scaling or commercializing SME financial products.
• Experience owning or leading a product line or business unit with P&L responsibility.
• Strong exposure to bank partnerships: account issuing, card issuing, credit programs, compliance frameworks and operational delivery.
• Deep understanding of SME financial workflows: cash flow, payables/receivables, expense controls, reconciliation, credit access.
• Experience launching banking products or expanding them into new markets.
• Strong commercial acumen: pricing, unit economics, financial modeling, portfolio optimization.

Nice to have

• Prior exposure to MENA SME banking, especially UAE.
• Experience integrating financial products into a broader merchant or operational ecosystem (POS, merchant portals, payments).
• Background working with AI-enabled decisioning, underwriting or financial operations.

‍