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: what to charge, which clients to win and where to make money. The role is the commercial team's single source of truth for competitor intelligence, pricing, client profitability and performance tracking across Acquiring, Issuance and Wallet. The person must be technically strong in how payment gateways, merchant acquiring and card issuing work.

Key responsibilities

• Competitive benchmarking and market intelligence: build and maintain a benchmark of UAE and regional competitors across acquiring, payment gateways, card issuance and wallets (pricing, products, payment methods, third-party partners, onboarding time, service levels)
• Track market, regulatory and emerging trends (CBUAE, schemes, e-invoicing, WPS) and new entrants, turning them into clear implications
• Gather customer needs from Sales, client meetings and lost deals and feed them into product and pricing decisions
• Publish a quarterly market and competitor update for commercial and leadership teams
• Build regular reports and dashboards from the data lake with Data and IT teams, defining and tracking commercial KPIs (TPV, transactions, revenue, take rate, margin, active/inactive merchants, wallets, cards, pipeline conversion)
• Build a profitability view per client and segment (revenue, cost of sale, partner share, cost to serve) and propose actions for loss-making or low-margin clients
• Track the commercial impact of initiatives such as smart routing, new pricing and new products, and explain variances against budget and forecast
• Support the annual budget and business plan with volumes, revenue and margin drivers
• Maintain rate cards and pricing models for acquiring, issuance and wallet services, model deal economics before quotes, recommend price points and floors, and assist with client propositions for strategic government and enterprise clients
• 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
• Payments certifications (e.g. Visa or Mastercard) are an advantage

Required skills

• Working knowledge of SQL and BI tools such as Power BI or Tableau, enough to define requirements, check data and build simple views
• Advanced Excel modelling
• Strong analytical and modelling skills, attention to detail, clear writing and presentation skills
• Commercial judgement and excellent communication skills