Manager - Online Payments

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.