- COMPANY & ROLE OVERVIEW
We are recruiting a Business Expansion/Development Manager for our client, a well-established European FinTech, with a proven business model in multiple markets and a growing footprint in Spain. The company is dedicated to empowering small businesses with adaptable financing solutions, leveraging a unique, patented credit scoring tool and predictive analytics for swift financing decisions.\n
Compruebe que cumple con los requisitos de habilidades para este puesto, así como con la experiencia asociada, y luego envíe su CV a continuación.
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They are currently scaling their commercial team to accelerate market penetration in Spain and are looking for dynamic business developers with at least 2-3 years of proven experience in selling financing solutions to SMEs and micro companies who want to develop their careers in a performance-driven environment. This is a high-impact commercial role offering full ownership of the sales cycle and the opportunity to develop into a top-performing business developer within a structured environment.
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The company operates through a fully digital, in-house developed lending platform, recognized for its performance and innovation, enabling fast and efficient financing processes for SMEs.
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Unlike traditional relationship management, this role is explicitly designed for a \"hunter\" profile: a proactive deal-maker who thrives on identifying unmet liquidity needs, navigating B2B sales cycles and translating complex financial solutions into clear value propositions for business owners and CFOs.
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- KEY RESPONSIBILITIES & ACCOUNTABILITIES
A. Origination & Business Development\n
● Proactive Prospecting: Execute high-volume, targeted outbound activities (cold calling, LinkedIn, email cadences) to identify and qualify SME prospect clients.
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● Pipeline Velocity: Manage the end-to-end sales funnel, taking raw leads and converting them into active financing applications.
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● Network Expansion: Build and leverage an ecosystem of financial intermediaries, brokers and B2B partners to generate inbound referral traffic.
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● Value-Based Selling: Conduct deep-dive discovery calls to understand the prospect's cash conversion cycle and position our financing platform as a superior alternative to traditional banking.
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B. Credit Structuring & Deal Execution
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● Financial Data Gathering: Secure all required compliance and financial documentation to be uploaded by clients directly through the platform.
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● Credit Committee Representation: Act as the internal sponsor for the deal: synthesize the client's financial health and prepare and present financing applications to the Credit Risk Committee.
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● Risk Mitigation: Identify potential risk events early in the underwriting process and proactively propose structuring alternatives (e.g. specific debtor limits, varied pricing tiers) to secure approval.
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C. Early-Stage Portfolio Activation
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● Seamless Onboarding: Guide the newly acquired client through their first platform interactions, ensuring a frictionless transition from \"Approved Facility\" to \"First Invoice Funded.\"
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● Wallet Share Maximization: During the first 6–12 months, actively monitor the client's operational volume to encourage full utilization of their approved credit limits.
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- PERFORMANCE METRICS
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Success in this role will be measured through a data-driven approach, tracked via HubSpot:
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- Origination Volume: Total € volume of new credit facilities approved per quarter.
- Activation Rate: Number of net-new SME clients successfully onboarded and funded per month.
- Sales Cycle Length: Average time from First Contact to First Funded Invoice.
- Conversion Efficiency: Win rate percentage (Lead-to-Deal conversion ratio).
- CANDIDATE PROFILE & REQUIREMENTS
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A. Professional Experience
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● Core Background: at least 2-3 years of proven B2B Commercial Sales experience within the broader financial sector.
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● Target Industries: Backgrounds in Traditional Banking, FinTechs, Financial Consulting, Credit Insurance or Financial Brokerage are highly preferred.
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● Audience Expertise: A demonstrable track record of successfully interacting with, and selling to, SME owners, C-Level executives, and Finance Directors.
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● Bonus Points: Previous tenure at a top-tier national bank or a leading alternative finance provider, specifically selling Working Capital Financing (Factoring/Confirming).
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B. Technical & Hard Skills
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● Financial Literacy: Fluency in general finance with strong capability (and willingness to further train) in reading balance sheets, calculating financial ratios and understanding Cash Flow Lending.
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● Market Awareness: A demonstrated, active interest in financial markets and macroeconomic trends affecting the Spanish SME landscape.
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● Tec