Commercial Specialist (Payment)

PurposeAs a Commercial Specialist - Payments, you will spearhead Ooredoo Money's payment acceptance growth by scaling acquiring channels, introducing innovative payment methods, and driving commercial success across our payment ecosystem. You'll be responsible for managing the commercial aspects of our payments and WPS (Salary payments) Business, establishing strategic partnerships, and leveraging data-driven insights to optimize payment channel performance. This role combines commercial acumen with deep payments expertise to accelerate our market penetration in Qatar's evolving payments landscape.ContextOoredoo Financial Services (OFS) is an established operating company in Qatar under the brand name Ooredoo Money, part of OFTI LLC, a dynamic scale-up fintech company. With over 12 years in the market, we combine the heritage and stability of a highly successful founding group with the ambition and passion of a talented team. We provide secure and convenient payment tools that empower everyday people, promoting financial inclusivity for all. Join us for a unique and exciting opportunity to be part of a financial technology revolution, making financial services more accessible, inclusive, and empoweringRole AccountabilitiesPayment Channel Scaling & Commercial DevelopmentLead the commercial strategy and rollout of new acquiring channels including Soft POS solutions, payment gateways, and emerging acceptance channelsDevelop comprehensive commercial models and pricing strategies for each payment acceptance channel to maximize revenue and market penetrationDrive merchant acquisition strategies and manage commercial negotiations with potential payment acceptance partnersEstablish and optimize fee structures, commercial terms, and incentive programs for different payment channelsMonitor channel performance metrics and implement commercial optimizations to improve transaction volumes and revenue per channelPayment Methods & Partnership ManagementIdentify, evaluate, and commercially onboard new payment methods and channels within the Ooredoo Money app ecosystemManage end-to-end commercial relationships with payment method providers, card schemes, partner bank(s) and alternative payment solution partnersNegotiate commercial agreements, revenue sharing models, and SLAs with payment partners to ensure optimal commercial outcomesDevelop and execute go-to-market strategies for new payment methods, including pricing models and merchant incentivesCoordinate cross-functional teams to ensure seamless integration of new payment methods while maintaining commercial viabilityWPS Business Commercial ManagementOwn the commercial P&L for Ooredoo Money's Wage Protection System (WPS) business lineDevelop and execute scaling strategies to grow WPS transaction volumes, SME base, and revenue contributionAnalyze WPS market trends, competitor positioning, and pricing dynamics to optimize commercial strategyManage key WPS client relationships and negotiate commercial terms with large corporate clientsDesign and implement commercial incentive programs to drive WPS adoption among employers and employeesData Analytics & Commercial IntelligenceLeverage advanced analytics to identify payment trends, customer behavior patterns, and commercial opportunities across all payment channelsBuild and maintain comprehensive dashboards tracking payment channel performance, revenue metrics, and commercial KPIsConduct deep-dive analyses on transaction data to optimize pricing strategies, identify growth opportunities, and improve channel economicsGenerate actionable insights from payment data to inform commercial strategy, partner negotiations, and market expansion decisionsDevelop predictive models to forecast payment volume growth, revenue potential, and market opportunitiesCross-Functional Commercial CoordinationCollaborate closely with technology, operations, and compliance teams to ensure commercial requirements are integrated into payment solution developmentDraft detailed Commercial Requirements Documents (CRDs) that translate business objectives into actionable technical and operational specificationsCoordinate user acceptance testing (UAT) for payment solutions, ensuring commercial requirements are met before launchMarket Intelligence & Competitive AnalysisMonitor payment industry trends, regulatory changes, and competitive developments to inform commercial strategyConduct regular analysis of competitor payment offerings, pricing models, and market positioningIdentify emerging payment technologies and assess their commercial viability for Ooredoo Money's ecosystemSupport strategic decision-making through comprehensive market intelligence and commercial opportunity assessmentsStakeholder Communication & ReportingPrepare and present regular commercial performance reports to senior management, highlighting payment channel metrics, revenue performance, and growth opportunitiesManage stakeholder communications across internal teams and external partners to ensure alignment of commercial objectivesLead commercial discussions with key partners, merchants, and clients to drive business growth and resolve commercial issuesKey Performance Indicators (KPI's)P&L for Payments BusinessNumber of merchants, partners, new acceptance channels for driving business growthCustomer Satisfaction/Voice of customer scoreExperienceMaster's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferred8+ years of experience in payments, product and/or commercial management, within fintech, banking, or digital financial servicesProven track record of managing commercial P&L responsibility and driving revenue growth in payments or financial servicesMinimum Entry Qualifications6+ years of experience in commercial/business management within fintech, banking, or digital financial servicesBachelor's degree in Business, Finance, Economics, or related discipline; MBA or advanced degree preferredPersonal ProfileAnalytical Mindset: Strong analytical and problem-solving skills with ability to translate complex data into actionable commercial strategiesCommercial Focus: Results-driven with proven ability to identify and capitalize on revenue opportunities in competitive marketsCollaboration Skills: Excellent cross-functional collaboration abilities with experience working in fast-paced, matrix organizationsCommunication Excellence: Outstanding verbal and written communication skills with ability to present complex commercial concepts to diverse stakeholdersInnovation Drive: Passion for payments innovation and staying ahead of industry trends and emerging technologiesAdaptability: Comfortable working in dynamic environments with ability to manage multiple commercial initiatives simultaneouslyIntegrity: Demonstrates highest standards of ethics and integrity in all commercial dealings and stakeholder interactionsCustomer-Centric: Strong focus on understanding customer needs and translating them into commercially viable payment solutions