About the Company

Skyro is a fast-growing fintech company based in the National Capital Region, Philippines. Our mission is to transform the financial services landscape in the Philippines by offering fair and accessible digital financial products. We aim to provide user-friendly lending solutions and superior customer service to all sections of society, promoting financial inclusion and literacy. Founded in 2022 by a team of visionaries, we have the expertise and resources to build best-in-class consumer-centric fintech products.

Backed by Breeze Ventures, a global fintech company based in Bahrain, our Philippine operations are powered by Advanced Finance Solutions, Inc. and Skyro Lending, Inc., both registered with the Philippine SEC. As we continue to expand, our team members will have the opportunity to contribute their expertise and talents to a promising international company. Join us on our journey to build a sustainable business and make a difference in the lives of millions of customers.

Role Overview

This role combines strategic SME market development with hands-on merchant growth and relationship management. The incumbent will drive business opportunities across the SME lending pipeline, from lead identification and merchant conversion to onboarding, retention, and repeat borrowing, while championing Skyro as the preferred primary financing partner.

Key Responsibilities

Market Identification & Categorization

• Conduct deep-dive research to identify high-potential SME sectors and geographic clusters, evaluating merchant potential and identifying maximum business opportunities for the company.

• Categorize leads based on industry, turnover, creditworthiness, and borrowing needs to ensure a tailored approach.

• Analyze market trends to identify "underserved" segments where our fintech solutions provide a competitive advantage.

• Understand market situations and business status through periodical merchant/store visits, business reviews, and regular connection with all stakeholders.

Pipeline Prioritization & Outreach

• Develop a scoring matrix to prioritize high-value targets that align with our risk appetite.

• Execute cold outreach, networking, and referral programs to build a steady stream of qualified prospects.

• Manage a high-volume sales funnel using our CRM to ensure no lead goes cold.

• Direct area saturation plans and activities to convert all potential SMEs into active merchants.

• Initiate programs and campaigns to grow merchant sales volume and growth projections.

Merchant Engagement & Growth

• Champion driving business opportunities and exploit market potentials to maximize the company's SME merchant base.

• Implement effective and efficient measures to ensure a high nationwide SME POS active rate; always set out detailed action plans in driving merchant engagement.

• Coach and mentor business development specialists on best practices, mindset, and habits to position Skyro as the merchants' primary financing partner.

• Develop merchant account relationship strategies and tactics for efficient and effective management.

Negotiation & Onboarding

• Pitch lending products to SME founders and decision-makers, clearly articulating the value proposition (speed, flexibility, and tech-integration).

• Guide SMEs through the initial documentation and application process, acting as a bridge between the client and internal credit teams.

• Ensure a seamless onboarding experience, maintaining high conversion rates from "Interested" to "Disbursed."

Relationship Management & Strategy

• Build long-term relationships with SMEs to encourage repeat borrowing and referrals.

• Recommend best action plans to realize market and merchant potentials through regular analysis and reports to the SME Head.

• Collaborate with the Product and Credit teams to provide feedback on market needs and friction points in the onboarding process.

• Strictly comply with risk control measures and initiatives, and report any risk discovery promptly.

Other Responsibilities

• Other duties and responsibilities related to business development may be assigned from time to time.

Qualifications

• Experience: 3–5+ years of experience in Business Development, Corporate Sales, or Relationship Management, specifically within Fintech, Banking, or NBFCs.
  

• Domain Knowledge: A solid understanding of SME lending products (e.g., working capital loans, invoice discounting, line of credit) and the financial challenges faced by small businesses.
  

• Analytical Skills: Ability to interpret basic financial statements (P&L, Balance Sheets) and GST/tax data to gauge an SME's health.
  

• Communication: Exceptional negotiation and presentation skills; ability to translate complex financial products into simple, persuasive language.
  

• Tech-Savvy: Proficiency in MS PowerPoint (or Canva) and a comfort level working in a fast-paced, tech-driven environment.
  

• Education: Bachelor’s degree in Business, Finance, Economics, or a related field (MBA is a plus).