Digital Payments Specialist

Relevant Experience

10+ years in fintech, digital payments, or banking project delivery

Experience with Banking as a Service (BaaS), card programs, or mobile wallet launches preferred

MANDATORY REQUIREMENTS

Native Arabic speaker with fluent English

Deep familiarity with Saudi fintech regulations (SAMA, KYC / AML)

Immediate availability for full-time Riyadh-based role

Strong strategic and hands-on delivery capability

PURPOSE OF THE PROJECT

To lead the design, development, and launch of digital wallet a flagship fintech product that will redefine clients digital wallet value proposition.

This role ensures operational readiness and commercial success by aligning internal teams and external partners under a unified delivery roadmap.

Covering full-cycle delivery, a strategic card-based cash back product developed under a BaaS model.

This will transform the digital wallet from a loyalty platform into a fintech-enabled service provider, embedding financial services into its ecosystem.

Scope & Key Activities

Core Responsibilities And Accountabilities

Develop and manage the client project plan, ensuring alignment with strategic goals and delivery timelines

Lead cross-functional execution across finance, IT, marketing, marketplace, and support teams

Serve as the central point of contact for stakeholders, providing regular updates and managing expectations

Identify and mitigate project risks, ensuring compliance with all regulatory and operational standards

Deliver a fully operational, scalable, and compliant clients digital wallet platform ready for post-project handover

Finance Operations & Controls - Monitor the finance teams implementation of cashback workflows, wallet liability tracking, reconciliation, and monthly reporting to ensure financial accuracy and audit readiness.

Marketplace & Merchant Monetization - Oversee the merchant onboarding process and monetization model rollout, ensuring teams execute segmentation, billing, and subscription strategies effectively.

Growth Marketing Execution - Coordinate marketing to ensure timely execution of launch campaigns, brand assets, and influencer activations that align with user acquisition goals.

Customer Success & Support Readiness - Ensure the support team develops and tests user and merchant support journeys, SOPs, and escalation flows in preparation for launch.

IT Governance & Regulatory Compliance -Supervise the integration of SNBs SDK and ensure IT teams meet SAMA compliance standards and prepare audit documentation.

Data Infrastructure & Analytics- Guide the data team in defining schemas, building dashboards, and ensuring data readiness for performance tracking and reporting.

Product-Led Growth & Optimization- Track product performance metrics and ensure the product team iterates on features and flows to drive user activation, retention, and merchant impact.

KPIs

of target merchants onboarded and monetized

User acquisition and activation metrics post-launch

Operational readiness (e.g., reconciliation accuracy, support SLAs)

Knowledge And Experience

Deep understanding of digital payments, card systems, and embedded finance

Familiarity with Saudi fintech regulations and SAMA compliance frameworks

Strong project management skills (Agile, Waterfall, hybrid)

Experience with BI tools, data modeling, and KPI tracking

Bachelors degree in Business, Finance, or Technology (MBA preferred)

Mandatory Skills

Strategic planning and tactical execution

Cross-functional leadership and stakeholder engagement

Regulatory and risk management in fintech environments

Technical fluency in SDKs, APIs, and data architecture

Bilingual communication (Arabic & English)

Problem-solving and adaptability in fast-paced settings

Candidates must have over 10 years of experience in fintech or digital payments and be a native Arabic speaker with fluent English.

Familiarity with Saudi fintech regulations and immediate availability for a full-time role in Riyadh are mandatory.

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