Head of Growth, Micro-SME Loans

Who are we?

Novicap is an end-to-end working capital solutions provider focused on enabling SMEs to pay their suppliers and collect from their customers. This includes short-term credit (factoring, supply chain finance and loans) and payment automation solutions.

With offices in Barcelona and Madrid, we are currently looking for a Head of Growth for our recently-launched Micro-SME segment. You will own the growth of the first fully-automated Micro-SME Loan product in Spain, from the first contact with a business to the funded loan. In this senior, hands-on role, you will build and test three routes to market in parallel (direct, partners, and platforms), judge them on equal terms, and double down on the ones that scale fastest. Working closely with our Marketing, Partnerships, Product, and Data teams you will establish our fully digital, instant-offer financing as the obvious solution for small businesses in Spain facing time-critical needs, all while maintaining sound unit economics and strict credit quality.

Sounds interesting? Keep reading! 

Your mission

As mentioned, you will own the growth of our Micro-SME segment end-to-end, from the first contact with a business to the funded loan. 

In order to achieve your mission, you will:

• Own the Micro-SME Loans growth plan

  • Set the growth strategy and a quarterly plan: target segments, messaging, the mix across direct, partner and platform routes, and the funnel improvements agreed with Product.

  • Hold the Micro-SME Loans acquisition budget and reallocate it every quarter towards the routes and channels with the best cost and quality per funded loan.

  • Report results, decisions and what you stopped to the CEO every month.

• Build three routes to market, in parallel

  • Direct: the routes where businesses find us themselves: our pages and eligibility checker, search, content, media and voices that small-business owners trust, comparison sites paid on results, and referrals from our own borrowers. 

  • Partners: a self-serve network of brokers and advisory firms (gestorías) that refer their clients, with sign-up, onboarding, training and referral tracking that need no one-to-one time, and a simple way for our existing partners to refer their smaller clients.

  • Platforms: financing offered inside the software and marketplaces small businesses already use, and by companies that want to finance their business customers.

  • Start balanced, then lean in: every route gets a fair test with a budget and a stop rule; you double down on what works and stop what does not, with no favourite.

• Turn demand into funded loans

  • Agree a joint quarterly plan with Product to remove friction between application and funding, bringing the funnel evidence and the commercial priorities.

  • Build the consented contact base and the follow-up of applicants who stall, with Marketing and Operations, so good businesses do not drop out of the journey, whatever route they came from.

• Run growth on data, inside credit discipline

  • Follow the funnel every week with Data, by route, channel and partner, from first contact to repayment.

  • Work with Data and Risk, who own the credit engine and policy, so growth never loosens credit: referral quality, fraud signals, cohort performance.

  • Test, measure, and stop what does not work.

In doing so, you will contribute to the achievement of Novicap’s long-term growth plans 

How will you do it?

With integrity. transparency and clarity are the cornerstones of our work. We honor our agreements and take responsibility for our actions. Furthermore, we are aware that we can always improve and we welcome feedback, in order to continue to grow.

We always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven approach.

And finally, we are generous and give first. We support and contribute to our community, seeking the common good above our own interests.

Who will you work with?

You will report directly to the CEO and work closely with the rest of the management team across Madrid, Barcelona and the rest of Spain. We are a young and dynamic team that’s waiting for you with arms open!

You are who we are looking for if you:

• Proven growth leadership: 8 to 12 years of experience in growth, go-to-market, marketing, partnerships, or distribution within digital B2B businesses serving SMEs.

• Full end-to-end ownership: At least 3 years taking direct accountability for an end-to-end growth number, including managing and optimizing cross-channel acquisition budgets based strictly on cost per acquired customer and sound unit economics.

• Multi-channel & objective execution: Hands-on track record across both direct acquisition (search, content, lifecycle, conversion) and partner or platform distribution (deep expertise in one, highly credible in the other). You run multiple channels simultaneously, evaluate them impartially, and double down on what works without channel bias.

• Builder mindset & cross-functional influence: Comfortable starting hands-on with a budget rather than a team, setting up processes that scale, and prioritizing roadmaps across Product, Marketing, Partnerships, and Data teams through clear plans, data, and trust rather than formal authority.

• Data-driven & execution pace: Relentless focus on funnel analytics (CRM, dashboards; SQL or BI tools are a plus), rapid iteration cycles (shipping in weeks, not quarters), and documenting learnings to iterate fast.

• Credit discipline & regulatory compliance: An ability to understand SME credit, automated decisioning, and risk management—growing volume without compromising credit criteria or seeking exceptions, and communicating decisions clearly. While not a lawyer (we have our own Legal team), fully fluent with the essentials of GDPR and Spanish e-commerce regulations (LSSI).

• Languages: Professional working proficiency in both Spanish and English.

Bonus points if you:

• Have built embedded finance or partner programmes with marketplaces, software platforms, or corporates.

• Have built demand among small-business owners through content, communities, or creators.

• Know the Spanish SME ecosystem (e.g. gestorías).

• Have scaled a product from early traction to repeatable, sustainable growth.

• Have worked in a fast-paced fintech or scale-up environment of 50 to 150 people.

• Heavily use AI tools productively in your day-to-day workflow while applying your own critical judgment.

Outcomes: What success looks like i