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Commercial Manager - Payments & SME Business
Ooredoo Fintech
Doha, QAT
Full Time
Manager
1 months ago
B2B PaymentsSME Financial ServicesWage Protection System (WPS)Merchant AcquiringData AnalyticsPower BI
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B2B PaymentsSME Financial ServicesWage Protection System (WPS)
About the Role
Ooredoo Fintech seeks a Commercial Manager to drive revenue growth across B2B Payments, SME Financial Services, WPS, and Merchant Acquiring in multiple markets. The role involves developing commercial strategies, negotiating partnerships, and using data analytics to optimize pricing and customer acquisition.
Key Skills for This Role
B2B PaymentsSME Financial ServicesWage Protection System (WPS)Merchant AcquiringData AnalyticsPower BI
Responsibilities
- Develop and execute commercial strategies to grow B2B and SME revenue base across all active markets
- Design and negotiate commercial models, fee structures, and bundling strategies for SME payment acceptance, wallet solutions, and business accounts
- Own commercial development of the WPS business line across all markets
- Drive commercial rollout and revenue growth of merchant acquiring services
- Build and maintain multi market dashboards tracking revenue performance, customer acquisition, and product penetration
- Conduct deep dive analyses on transaction data, customer cohorts, and market benchmarks to surface commercial opportunities
- Identify and evaluate emerging payment technologies and financial services trends for incremental revenue
- Lead or co lead commercial pilots for new business lines with clear KPIs and success criteria
Requirements
- Master's degree in Business, Finance, Economics, or related discipline; MBA preferred
- 8+ years of experience in SME banking, lending, or commercial management within fintech, banking, or digital financial services
- Demonstrated experience in matrix organisations spanning multiple geographies (GCC, MENA, South East Asia)
- Proven track record in commercial P&L ownership across multiple financial services products
- Hands on experience with merchant acquiring or WPS business development
- Advanced proficiency in data analytics tools (Power BI, Tableau, SQL, Excel modelling)
- Experience structuring and negotiating commercial partnerships with banks, payment aggregators, or fintech partners
- Familiarity with regulatory frameworks governing digital payments and financial services across GCC/MENA markets
Full Job Posting
Purpose
- As Commercial Manager – Payments & SME Business, you will drive revenue growth and customer acquisition across Ooredoo Fintech’s multi market ecosystem.
- Spanning Qatar, Oman, Tunisia, Maldives, Iraq, and future markets, you will own development of B2B Payments, SME Financial Services, WPS, and Merchant Acquiring.
- Embedded within the Revenue team, you will partner with country teams to co create and launch revenue generating initiatives using data analytics and market intelligence.
Context
- Ooredoo Fintech International (OFTI) is the fintech holding entity of the Ooredoo Group, operating across multiple markets under localised fintech brands including Ooredoo Money and Walletii.
- OFTI builds regulated, scalable digital financial platforms for underserved and underbanked populations.
- Products span digital wallets, remittances, bill payments, merchant acquiring, WPS, SME financial services, microlending, and card issuance.
Role Accountabilities
- Develop and execute commercial strategies to grow B2B and SME revenue base across all active markets.
- Identify SME segments with highest product market fit for digital financial services; build market specific commercial playbooks.
- Design and negotiate commercial models, fee structures, and bundling strategies for SME payment acceptance, wallet solutions, and business accounts.
- Lead commercial onboarding discussions with SME partners, merchant aggregators, and B2B clients.
- Monitor SME acquisition funnels, activation rates, and revenue contribution by market.
- Own commercial development of the WPS business line across all markets.
- Build scalable WPS commercial propositions and bank partnerships tailored to local labour regulations.
- Support country teams in acquiring WPS clients with commercial frameworks and negotiation support.
- Analyse WPS transaction trends, employer retention, and salary disbursement volumes.
- Drive commercial rollout and revenue growth of merchant acquiring services.
- Define merchant fee strategies, rollout incentives, and payment gateway commercial terms.
- Identify and commercially onboard new acquiring partners, payment facilitators, and card scheme relationships.
Data Driven Commercial Intelligence
- Build and maintain multi market dashboards tracking revenue performance, customer acquisition, channel efficiency, and product penetration.
- Conduct deep dive analyses on transaction data, customer cohorts, and market benchmarks to surface commercial opportunities.
- Develop forecasting models for revenue potential, customer growth, and market opportunity sizing.
- Use A/B testing frameworks, pilot result analysis, and cohort tracking to validate commercial hypotheses.
- Generate actionable intelligence to support leadership decision making on partner negotiations and market entry sequencing.
Innovation & New Commercial Initiatives
- Identify and evaluate emerging payment technologies, financial services trends, and business models for incremental revenue.
- Champion data and innovation led commercial thinking, proposing new products, channels, or partnership models.
- Lead or co lead commercial pilots for new business lines with clear KPIs, success criteria, and scale up triggers.
- Stay ahead of competitive dynamics across all active markets.
Experience
- Master's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferred.
- 8+ years of experience in SME banking, lending business or commercial management within fintech, banking, or digital financial services.
- Demonstrated experience working in matrix organisations spanning multiple geographies, with exposure to GCC, MENA, and/or South East Asian markets.
- Proven track record in commercial P&L ownership across multiple financial services products.
- Hands on experience with merchant acquiring, or WPS business development.
- Advanced proficiency in data analytics tools (e.g. Power BI, Tableau, SQL, Excel modelling).
- Experience structuring and negotiating commercial partnerships with banks, payment aggregators, and/or fintech partners.
- Familiarity with regulatory frameworks governing digital payments and financial services across GCC/MENA markets.
Minimum Entry Qualifications
- 6+ years of P&L ownership and experience in commercial/business management within fintech, banking, or digital financial services.
- Bachelor's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferred.
- Experience in at least two of the following: B2B Payments, WPS, SME Financial Services, Merchant Acquiring.
- Comfortable working in a multi country, cross functional environment with multiple simultaneous commercial initiatives.
- Strong analytical and data literacy skills; able to build and interpret commercial dashboards and performance models.
Personal Profile
- Matrix Navigator: Thrives in complex, multi stakeholder environments; drives commercial outcomes without direct authority.
- Data Driven Decision Maker: Instinctively reaches for data before forming a commercial view.
- Innovation Mindset: Brings creative commercial thinking to established categories.
- Commercial Sharpness: Understands unit economics, pricing dynamics, and partner incentives.
- Multi Market Agility: Comfortable switching contexts across different regulatory, cultural, and competitive environments.
- Communication Excellence: Able to distil complex commercial situations into clear, compelling narratives.
- Integrity & Compliance Awareness: Holds high ethical standards; understands regulatory compliance.
- Customer Centric: Grounds commercial strategy in genuine understanding of customer needs.
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