About the Role
Own online payments end to end: commercial terms, cost, product roadmap, and operational reliability. Directly accountable for online payment penetration and blended cost of acceptance.
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Requirements
- Own commercial relationships with PSPs, acquirers, and payment gateways: negotiate MDR and scheme/interchange pass-through, volume tiers, settlement cycles, and SLAs; run RFPs and renewals.
- Reduce blended cost of payments through routing optimization, provider mix, and fee-structure renegotiation. Own the bank charges line.
- Increase online payment penetration vs. cash: checkout conversion, authorization rates, retry and cascading logic, tokenization and card-on-file, wallet and Apple Pay coverage.
- Lead the payments product roadmap in partnership with Product and Engineering: prioritization, requirements, and post-launch performance tracking.
- Own payment incident troubleshooting: failure-code diagnosis, provider escalation, root-cause analysis, and prevention.
- Own reconciliation integrity, chargeback and dispute handling with deadline tracking, and settlement accuracy across entities.
- Maintain the regulatory and compliance view across KSA and Jordan (SAMA, PCI-DSS, local acquiring requirements).
- Report monthly on penetration, auth rates, cost per transaction, and savings delivered.
Preferred Experience
- 5 - 8 years in payments, with at least 3 years merchant-side at a high-volume digital business (ride-hailing, food delivery, e-commerce, travel, or fintech).
- Demonstrated track record of reducing MDR or cost of acceptance, and of lifting authorization or conversion rates, with quantified outcomes.
- Direct experience negotiating with acquirers and PSPs in KSA; working knowledge of mada, local acquiring economics, and the KSA PSP landscape.
- Fluency in payments mechanics: MDR decomposition, interchange, 3DS/SCA, tokenization, settlement and chargeback flows.
- Experience working with Product and Engineering on payment integrations; comfortable with API-level discussion without needing to code.
- Prior work with a bank acquirer or PSP from the provider side.
- Exposure to loyalty or wallet integrations and embedded payment partnerships.
- Strong analytical skills: MS Excel and dashboarding preferred; able to build the business case for a routing or provider change.
- Arabic and English preferred. KSA market experience required.
Benefits
- An opportunity to collaborate with talented individuals while learning, growing, and expanding your skill set.
- An environment that encourages you to take ownership and produce excellent outcomes every day.
- Health benefits and insurance.
- Flexible working hours.
