Product Owner — Origination Platform (Lending & Financing) | Fintech, Dubai | On-site

📍 Location: Dubai, UAE (On-site)

📌 Type: Full-time

💰 Compensation: Competitive Salary

🏥 Benefits: Visa sponsorship, medical insurance

About Comfi

• Comfi provides SMEs across the Middle East with the fastest and simplest access to working capital.
• We help suppliers and businesses unlock cash flow in hours rather than weeks through products such as Invoice Financing, Payable Financing, and Dealer Financing.
• By turning future payments into immediate liquidity, we enable businesses to operate, grow, and remain in control of their finances.
• Today, Comfi serves companies across industries including automotive, electronics, healthcare, and F&B, eliminating the complexity, uncertainty, and delays associated with traditional financing.
• Backed by $68M in venture debt facilities and growing at 20% month-over-month, Comfi is rapidly expanding across the region. We are not improving traditional financing — we are redefining how businesses access capital.

About the Role

We're looking for a Product Owner to build and own our Origination Platform, the core infrastructure powering financing origination, loan servicing, and repayments across Comfi's BNPL, Receivables, and Dealership Financing products.

You'll own the entire financing lifecycle, from the customer portal after KYB onboarding through financing requests, approval, funding, core banking integration, and repayment.

This is a hands-on, zero-to-one product ownership role. You'll work with a dedicated team of Full-Stack Engineers in an AI-native, specification-driven development environment.

We're looking for a technically strong Product Owner who has hands-on experience delivering event-driven, domain-oriented microservice platforms and understands how complex financial systems are designed and integrated.

What You'll Own

🔹 Financing Origination

• Launch financing request journeys across payables, receivables, and dealership financing.
• Own the customer portal experience after KYB onboarding, closely coordinating with the KYB Product Owner.
• Implement established financing eligibility, limits, pricing, approval workflows, and disbursement logic.
• Build configurable product rules to support multiple financing products on a shared core platform.

🔹 Platform Architecture & Integrations

• Own the functional architecture of the Origination Platform, working closely with engineers on service boundaries, domain models, and integration contracts.
• Design business workflows around domain-driven, event-driven microservices, ensuring clear ownership of business logic and data.
• Define APIs, domain events, state transitions, and interactions between Origination, KYB, Risk, Core Banking, and Payments.
• Ensure reliable handling of asynchronous workflows, including failures, retries, duplicate events, and eventual consistency.
• Build reusable platform capabilities that support multiple financing products and future geographic expansion.

🔹 Loan Servicing

• Coordinate with the Core Banking team to deliver post-origination loan lifecycle management, including balances, fees, interest accrual, maturity, and extensions.
• Define integration requirements for ledger transactions, payment allocation, and reconciliation.
• Ensure accurate financial calculations and consistent loan states across the platform.

🔹 Repayments & Collections

• Coordinate closely with the Core Banking team to own customer repayment journeys, including repayment schedules, payment allocation, and settlement.
• Define overdue management, late fees, partial repayments, and early settlement journeys.
• Collaborate with Finance, Risk, and Collections to ensure accurate and scalable servicing operations.

🔹 AI-Native Product Development

• Work directly with dedicated Full-Stack Engineers in a lean, two-to-three-person product team.
• Drive development through specification-driven workflows, where structured product specifications serve as the single source of truth.
• Use AI tools to accelerate requirements analysis, prototyping, implementation, testing, and documentation.
• Write precise business rules, domain models, event contracts, acceptance criteria, edge cases, and test scenarios.
• Own the product backlog, prioritize development, and validate delivered functionality.
• Continuously improve development speed and quality through AI-assisted workflows.

Must-Have Requirements

✅ Lending & Financial Domain

• 3+ years of hands-on experience launching and developing lending or financing products.
• Experience managing a lending portfolio of at least USD 20 million, with direct responsibility for the systems, operations, or product capabilities supporting that portfolio.
• Strong understanding of the end-to-end lending lifecycle: origination, underwriting, disbursement, servicing, repayments, and collections.
• Practical knowledge of core banking systems, loan management systems, ledgers, and financial transaction processing.
• Proven experience launching financial products from concept to production.

✅ Technical & Platform Experience

• Proven hands-on experience building or launching event-driven, domain-oriented microservice platforms in production.
• Strong understanding of Domain-Driven Design (DDD) principles, including bounded contexts, domain ownership, and service boundaries.
• Practical experience defining APIs, domain events, asynchronous workflows, and integration contracts between microservices.
• Understanding of distributed system challenges, including idempotency, retries, eventual consistency, and failure handling.
• Familiarity with modern backend and frontend architectures, preferably NestJS and Next.js.
• Ability to translate complex business requirements into detailed functional and technical specifications that engineers can implement independently.

✅ AI-Native Development & Product Ownership

• Hands-on experience with AI-driven software development, including AI coding assistants, AI-assisted specifications, or agentic development workflows.
• Ability to independently write detailed product specifications covering business logic, workflows, edge cases, and acceptance criteria.
• Experience working directly with engineers to deliver products from specification to production.
• Strong analytical skills and confidence working with financial calculations, data, and complex business rules.

✅ English proficiency at C1 level or above, with excellent written and verbal communication skills.

Nice to Have

• Experience in B2B lending, SME financing, invoice discounting, factoring, or asset-backed financing.
• Experience building lending infrastructure or loan management systems from scratch.
• Familiarity with double-entry accounting, ledger architecture, and payment reconciliation.
• Hands-on experience with SQL, TypeScript, NestJS, or Next.js.
• Experience using Claude Code, Cursor, or similar AI development tools.
• Experience in UAE or GCC financial services.