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

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

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.

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

- 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

📌 Head of Growth, Micro-SME Loans (Madrid)
🏢 Novicap
📍 Madrid