BNPL Product & Operations Lead

Job description

We are looking for an experienced BNPL Project Tech Lead to lead the development of a Buy Now, Pay Later platform in close cooperation with the business development, product, risk, operations, and commercial teams. This role requires a combination of deep BNPL market and product understanding, strong knowledge of functional and operational processes, and hands-on experience in system development and technology delivery. The person will be responsible for translating the business vision into scalable, compliant, and commercially effective BNPL technology solutions. The Tech Lead should not act only as a technical delivery manager. They must understand how a BNPL suite works end-to-end: from merchant onboarding and checkout integration, through credit decisioning and affordability assessment, to repayment flows, servicing, collections, reconciliation, reporting, and partner performance management. Key Responsibilities BNPL Platform Development Leadership Lead the design and development of the BNPL technology platform, ensuring that system architecture, product functionality, and operational flows support the business model and market requirements. Own the technical roadmap jointly with the business development and product teams, ensuring that priorities are aligned with commercial objectives, partner needs, regulatory expectations, and operational scalability. Translate BNPL business requirements into clear technical specifications, user stories, integration requirements, process flows, and delivery plans. Functional BNPL Expertise Provide expert input on the full BNPL product suite, including: Pay later / monthly invoice products Installment plans Revolving or reusable credit limits Purchase power display Merchant and marketplace integrations Credit application and approval journeys Affordability and risk assessment logic Customer repayment journeys Refunds, cancellations, returns, and partial captures Merchant settlement and reconciliation Servicing, collections, and dispute handling Reporting, monitoring, and portfolio performance tools Ensure that the platform is built with a strong understanding of real BNPL use cases, customer journeys, merchant expectations, and operational constraints. Required Experience The ideal candidate should have strong experience in BNPL, consumer finance, embedded finance, payments, lending platforms, or credit technology . Required background includes: Proven experience leading technology delivery for financial products, preferably BNPL, lending, installment payments, or embedded finance. Strong understanding of BNPL market models, product mechanics, merchant needs, customer journeys, and operational requirements. Experience working with business development or commercial teams on partner-driven product launches. Practical knowledge of API integrations, merchant checkout flows, payment processing, credit decision engines, customer account systems, and back-office platforms. Ability to translate business and product requirements into technical architecture and development plans. Experience managing cross-functional delivery involving engineering, product, risk, compliance, operations, and external partners. Strong understanding of system scalability, data flows, security, reliability, monitoring, and production support. Experience with agile delivery, backlog management, technical documentation, and release planning. Key Competencies The person in this role should demonstrate: Strong end-to-end ownership of complex technology projects. Deep functional understanding of BNPL and credit products. Ability to bridge business, technology, operations, and risk perspectives. Structured thinking and strong problem-solving skills. Commercial awareness and partner-facing confidence. Ability to challenge requirements constructively and propose better solutions. Strong communication skills with both technical and non-technical stakeholders. Hands-on delivery mindset, not only strategic oversight. High attention to operational detail and long-term platform scalability. Preferred Qualifications: Previous experience building or scaling a BNPL platform, lending platform, digital credit product, or payment solution. Experience in European consumer finance, fintech, or regulated financial services. Knowledge of credit underwriting, affordability assessment, risk-based pricing, limit management, and collections processes. Experience with merchant acquiring, e-commerce checkout, PSP integrations, open banking, credit bureaus, or decisioning platforms. Background as a Solution Architect, Technical Product Owner, Engineering Lead, Delivery Lead, or Fintech Platform Lead. The starting salary for this position is €5,000 gross per month. We offer: A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture. Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe. A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement. Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards. Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive. We may use artificial intelligence (AI) tools to support specific parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgment. All final hiring decisions are made by human recruiters. By proceeding to apply for a job with us, you confirm that you have read and accepted our Recruitment Privacy Policy