Commercial Manager – Payments
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Job Description
Commercial Manager driving payment partnerships at ACE Money Transfer, a UK-based remittance provider. Role involves strategy development, negotiations, and commercial assessments for payments infrastructure.
Responsibilities:
- Work directly with the Head of PBI to develop the annual commercial plan and contribute to the 3-year payments infrastructure roadmap
- Translate strategic direction from the Head of PBI into structured, actionable plans with clear milestones and owners
- Proactively identify gaps in ACE's payments infrastructure by engaging cross-functionally with Partner Success, Partner Onboarding, Operations, Finance etc.
- Bring forward commercial solutions — not just problems — with implementation pathways and business logic
- Own the commercial narrative for the PBI function, including contribution to the monthly CEO Brief and quarterly commercial reviews
- Identify, approach, and commercially evaluate new payments partners — card acquirers, APM providers, open banking rails, FX counterparties, and banking partners
- Involvement in all commercial negotiations: from first contact and term negotiation through to handshake before handover to PO.
- Build and maintain a live pipeline of prospective partners with commercial assessments and prioritisation rationale
- Develop business cases for new partner additions including cost modelling, volume projections, and break-even analysis for Head of PBI sign-off
- Own the renegotiation pipeline for existing partners — tracking contract renewal dates, rate review windows, and volume-based tier unlock opportunities
- Attend Quarterly Business Reviews and major partner strategy sessions alongside the Head of PBI
Requirements:
- 3-5 years of experience in a commercial, partnerships, or business development role within payments, fintech, or financial services
- Proven track record of leading commercial negotiations with card acquirers, payment processors, banks, or FX counterparties
- Strong understanding of payment economics — MDR structures, interchange, scheme fees, FX spreads, and open banking pricing
- Experience working cross-functionally with operations, technology, and compliance teams to structure and close commercial deals
- Ability to build rigorous business cases and commercial models independently, without reliance on a finance team
- Excellent written and verbal communication — comfortable presenting commercial analysis and recommendations to senior leadership
- Highly organised with the ability to manage multiple negotiation tracks simultaneously without dropping detail
Benefits:
- Five (5) days working - Saturday & Sunday OFF (All ACE Money Transfer offices accross the globe)
- Free Food Facility (Liaison Office - Kharian, Pakistan only)
- Free official transport (Liaison Office - Kharian, Pakistan only)
- Free Hostel/Executive Accommodation (Liaison Office - Kharian, Pakistan only)
- Provident Fund (ACE all Pakistan Offices only)
- Interest-Free Loans (ACE all Pakistan Offices only)
- Advance salary facilitation (ACE all Pakistan Offices only)
- Overtime (All ACE Offices across the Globe, as per policy)
- Medical and Life Coverage (ACE all Pakistan Offices only)
- Health Insurance (Overseas Offices)
- Pension contributions (UK, Ireland, and Australia)
- EOBI & PESSI (ACE all Pakistan Offices)
- Night Shift Allowance (ACE all Pakistan Offices)
- Annual Leaves (All ACE Offices across the Globe, as per policy)
- Sick and Casual Leaves (ACE all Pakistan Offices)
- Wedding Leaves (ACE all Pakistan Offices)
- Umrah and Hajj Leaves (ACE all Pakistan Offices)
- Bereavement Leaves (All ACE Offices across the Globe, as per policy)
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