Business Line Owner- Pay45

About Pay45

Pay45 is Iran’s first dedicated BNPL (Buy Now, Pay Later) platform focused exclusively on vehicle purchases. Founded with the mission of making car ownership more accessible, Pay45 is transforming how Iranians finance their vehicles by offering installment-based solutions that are fast, flexible, and transparent. By leveraging advanced financial technologies and partnerships with leading automotive dealers and platforms, we remove traditional barriers to car ownership. Pay45 supports the broader vision of financial inclusion by enabling customers to purchase the vehicle they need without the burden of large upfront payments or complex bank loans.

Job Overview

As the Business Line Owner (BLO) of Pay45 vertical, you will have end-to-end ownership of the business unit—from defining the strategic roadmap to execution, performance management, and continuous optimization. This role acts as a mini-CEO for the BNPL business, with full accountability for growth, profitability, and portfolio quality.
You will work closely with cross-functional teams to scale a sustainable BNPL operations, balancing rapid market expansion with sound risk management and strong unit economics.

Key Responsibilities

Business Strategy & Ownership

• Define and lead the strategic vision, roadmap, and P&L of the BNPL business line.
• Own business performance across growth, profitability, and portfolio quality.
• Conduct market and competitor analysis to identify growth opportunities, product gaps, and pricing positioning.
• Align and lead cross-functional stakeholders across product, finance, credit, legal, marketing, operations, and sales to execute strategic initiatives.

Partnerships & Business Development

• Identify, structure, and secure strategic partnerships with merchants, automotive dealers, financial institutions, and technology providers.
• Lead commercial negotiations and manage contractual agreements in alignment with Pay45’s financial, risk, and compliance standards.
• Monitor partner performance and continuously optimize collaboration models to maximize long-term value.

Credit, Risk & Unit Economics

• Participate in defining credit policies, pricing frameworks, and risk appetite for the BNPL portfolio in collaboration with credit and finance teams.
• Balance approval rates, default risk, customer experience, and profitability to ensure sustainable growth.
• Track and optimize key unit economics metrics such as CAC, LTV, approval rate, and portfolio performance.

Customer & Market Intelligence

• Collect and analyze customer feedback, behavioral data, and market insights to inform product and business decisions.
• Stay up to date with fintech trends, consumer lending dynamics, and regulatory developments relevant to BNPL and digital credit.

Operations & Performance Management

• Collaborate with internal teams to design and continuously improve operational processes, including credit approval, risk management, merchant onboarding, and customer servicing.
• Define KPIs, dashboards, and reporting frameworks to track performance and surface risks and opportunities.
• Regularly report progress, challenges, and results to senior leadership.

Sales Enablement & Go-to-Market

• Co-own go-to-market strategies with sales and marketing teams to drive merchant acquisition and consumer adoption.
• Develop clear value propositions and business cases for both B2B partners and end customers.
• Deliver clear, data-driven presentations to internal leadership and external partners.

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, Industrial Engineering, or a related field; MBA is a plus.
• 4–7 years of experience in business ownership, product-led growth, business development, or strategic operations—preferably in fintech, financial services, or consumer tech.
• Proven experience scaling a business line or launching and owning new products end to end.
• Strong commercial and analytical skills, including financial modeling and ROI analysis.
• Excellent negotiation, communication, and stakeholder management capabilities.
• Solid understanding of consumer lending, credit scoring, BNPL models, and payment technologies.
• Proficiency in tools such as Excel, PowerPoint, CRM systems, and data analytics dashboards.
• Comfortable operating in fast-paced, ambiguous environments with competing priorities.