Payments Manager

About the role

The Payments Manager leads ADNOC Distribution's payments agenda across all customer touchpoints, owning the payments roadmap, delivery governance with internal stakeholders and strategic partnerships with schemes, banks and payment service providers. The role also owns the end-to-end design, launch and performance management of financial products such as co-brand bank cards, remittances and open-loop wallets, driving continuous improvement through technology, commercial optimisation and process re-engineering.

Key responsibilities

• Define and maintain the payments roadmap (in-store, app, web, B2B) and sponsor business cases for new payment capabilities with Digital/IT and Finance.
• Lead governance with schemes, issuing/acquiring partners and internal stakeholders to optimise authorisation rates, manage chargebacks and disputes, and improve SLAs, uptime and commercial terms.
• Drive delivery with acquirers and service providers, ensuring secure implementation, effective testing and compliance with security and regulatory requirements.
• Monitor market trends and emerging technologies, and explore new payment methods such as AANI, crypto and stablecoins.
• Own the co-brand card proposition: product design, go-to-market, agreements, value proposition, acquisition and spend-growth strategies, and financial performance and KPIs.
• Negotiate fees and incentives with schemes, acquirers and integrators, and develop joint business plans and campaigns with banks.
• Identify and launch new revenue opportunities such as gift vouchers, remittances, open-loop wallets and embedded financial services, with full P&L ownership.
• Define and grow the ADNOC wallet strategy, working with Marketing, Digital, Retail and Customer Service.
• Manage stakeholder alignment internally and act as the single point of accountability for external payment partners.

Required profile

• Bachelor's degree in marketing or a related field.
• 10 years of experience in payments, preferably in banking, retail or fintech.
• Experience working with payment schemes and acquiring banks on commercials, process enhancements and new feature launches.
• Product management experience, preferably in payments.