SME Expert Technical / Digital

About this opportunity

JOB PURPOSE We are looking for an experienced SME Expert – Technical/Digital with strong domain knowledge in SME Banking products, Point of Sale (POS), Trade Finance, Payments, and Digital Banking . The successful candidate will work closely with business, product, technology, and project teams to provide SME-domain expertise, translate business requirements into functional and technical requirements, and support the design and implementation of digital banking solutions for SME customers. The candidate should have a strong understanding of SME banking products and processes , with particular expertise in POS/merchant services, Trade Finance products, SME financing, business banking, and digital channels . KEY RESPONSIBILITIES SME Banking Domain Expertise Provide subject matter expertise across SME Banking products and services . Understand SME customer journeys, business processes, product lifecycle, and operational requirements. Provide domain guidance for SME banking transformation and digital initiatives. Analyze existing SME banking processes and identify opportunities for improvement and automation. Work with business stakeholders to define product requirements and functional specifications. POS & Merchant Services Provide strong domain knowledge of Point of Sale (POS) and merchant acquiring products. Understand POS transaction processing, merchant onboarding, settlement, reconciliation, refunds, and transaction lifecycle. Support integration of POS and payment services with banking platforms. Understand payment gateways, merchant services, card payments, and related digital payment solutions. Work with technology teams to define POS-related functional and integration requirements. Trade Finance Products Provide domain expertise in Trade Finance and Trade Products . Strong understanding of Letter of Credit (LC), Letter of Guarantee (LG), Documentary Collections, Import/Export Finance , and related products. Analyze trade-finance business processes and translate them into digital/technical requirements. Support integration of Trade Finance products with core banking and digital banking platforms. Work with business and technology teams to improve trade-product workflows and customer journeys. SME Product Knowledge Strong understanding of SME lending and financing products . Knowledge of working capital finance, business loans, credit facilities, and SME account products. Understand SME onboarding, KYC, credit assessment, approval, disbursement, repayment, and servicing processes. Provide product expertise across SME current accounts, payments, cash management, cards, financing, and digital services. 7+ years of experience in Banking / Financial Services / FinTech . Strong experience in SME Banking / Business Banking / Commercial Banking . Strong domain knowledge of SME products . Hands-on knowledge of POS / Merchant Acquiring / Payments . Strong understanding of Trade Finance / Trade Products . Experience with Digital Banking / Digital Transformation initiatives. Experience as a Business Analyst, Product Owner, Product Manager, SME, or Functional Consultant in banking. Good understanding of banking applications, APIs, integrations, and digital channels . Experience in requirements gathering, business process analysis, functional specifications, and UAT. Strong communication and stakeholder-management skills.