Senior Officer – Business Intelligence

About the role

noqodi is looking for a Senior Officer – Business Intelligence who turns its data and market knowledge into commercial decisions on pricing, client acquisition and profitability across Acquiring, Issuance and Wallet. The role is the commercial team's single source of truth for competitor intelligence, pricing, client profitability and performance tracking, and requires strong technical knowledge of payment gateways, merchant acquiring and card issuing.

Key responsibilities

• Competitive benchmarking: maintain a benchmark of UAE and regional competitors on pricing, products, payment methods, partners, onboarding time and service levels; track regulations (CBUAE, schemes, e-invoicing, WPS) and emerging trends; publish a quarterly market and competitor update.
• Analytics and reporting: build reports and dashboards from the data lake with Data and IT teams; track commercial KPIs (TPV, transactions, revenue, take rate, margin, active/inactive merchants and wallets, pipeline conversion); run a profitability view per client and segment; identify loss-making clients and propose repricing or cost renegotiation; explain variances against budget and forecast.
• Pricing and deal support: maintain rate cards and pricing models for acquiring, issuance and wallet services; model deal economics (interchange, scheme fees, acquirer and partner costs) before quotes; recommend price points and floors; assist with client propositions, presentations and business cases for strategic government and enterprise clients.
• Team development: mentor 1-2 analysts and set standards for data definitions, report formats and model documentation.

Required profile

• Bachelor's degree in Engineering, Computer Science, Finance, Economics or a related field.
• 5-8 years in payments, with a PSP, payment gateway, merchant acquirer, card scheme, issuing bank or payments consultancy.
• Hands-on exposure to at least two of merchant acquiring, payment gateways, card issuing, digital wallets; acquiring/payment gateway experience preferred.
• Experience building KPI reports, dashboards and client or segment profitability analysis.
• Exposure to pricing models and supporting sales with client propositions.
• UAE or GCC payments experience, including government payment platforms, is a strong advantage.

Required skills

• Working knowledge of SQL and BI tools such as Power BI or Tableau, and advanced Excel modelling.
• End-to-end understanding of card and wallet transactions (authorisation, clearing, settlement, chargebacks, reconciliation).
• Economics of acceptance and issuing (interchange, scheme fees, MDR, acquirer costs, partner revenue share).
• Local and alternative payment methods (Apple Pay, Google Pay, BNPL, direct debit, Aani, bank transfers).
• Merchant and wallet lifecycle metrics (activation, inactivity, churn).
• Analytical, modelling, writing, presentation and commercial judgement skills.