Job Title

Organisation Unit PurposeThe Transaction Banking Services (TBS) unit provides a full-featured product suite covering Trade and Supply Chain Finance, Cash Management and Payment Solutions which enables clients to optimize their working capital and also build efficiency and automation in their day-to-day business operations.TBS provides an integrated single window approach for all transactional requirements of its corporate clientele across various segments and sectors such as commercial, government and financial institutions. It aims at assisting them with innovative financing and payment solutions as well as offers the convenience of interacting with the bank, away from traditional means.The Transaction Banking team continuously interacts with CFO’s and Treasury Teams of its corporate clients and is committed to build strong relationships by meeting their underlying organizational objectives.Position description:The Senior Product Manager - Merchant Acquiring will be responsible for setting up processes internally and with schemes to launch acquiring business for instore and ecommerce channelsJob PurposeTo position Emirates NBD as the most sought-after Merchant Acquiring solution provider and enhance our acquiring capabilities based on client-led demands and VOC for Emirates NBD UAE and KSA .Lead integration and certification discussions with existing schemes in UAE and KSA for enablement across POS and Ecom channels.Responsible for the scheme Host certifications in UAE and KSACoordinate with schemes for POS terminal certifications vendors in KSA and UAE.Work with internal stakeholders to fulfil the contractual obligations for schemes. Manage the processing platform requirements Engage with schemes to setup internal processes with onboarding, risk and compliance teams. Engage with multiple payment gateways to do the necessary scheme certifications. Work with the payment gateways to create a smooth onboarding journey for merchants. Work with the processor and schemes to set up the workflow for incoming and outgoing filesWork with Internal IT to create transaction flow for ONUS transactions Work with the processor to manage TMS related issues and track the terminal performance regularly. Ensure all the necessary plugins , integrations required for payment gateway platform are covered in the product suite. Work with schemes on existing Token migration Work with the technology partner for creating post onboarding journeys for payment gateway onboarding Job ContentScheme certificationEnsure all necessary scheme contracts and certifications are completed. Ensure adherence to scheme policies.Scheme engagementScheme certificationScheme complianceScheme Risk assessmentProduct Innovation and EnhancementIdentify payment trends in the market. Ensure integration of new payment methods across POS and Ecom channels.Managing Product backlogEnsure the product bench markingPayment gateway & POS feature enhancementsIdentify Innovative products and new featuresPayment Gateway onboardingManage end to end Payment gateway discussions. Work with local authorities and partners in KSA to ensure all product requirements re fulfilled.Work with processor/technology partner and IT team for payment gateway assessmentWork with internal teams to design onboarding flow for merchants on Payment gateway channels.Design the process flow for all the gateways along with processor/technology partner.Design process for payment gateway integration and onboardingProduct CommercializationPosition Emirates NBD as a leading acquirer with competitive product offering in KSA.Pricing TemplatesPricing strategyPricing calculatorCompetitor bench markingRisk MitigationNPPA, Risk Control, Product Governance/ Regulatory environment scanning and reporting.Review, evaluate and manage risks, to ensure adherence to the bank’s risk framework and wider industry regulations.EducationBachelor’s degree in technical or IT engineeringMaster’s degree in Marketing or FinanceExperiences6 + years of experience in a product / partnerships/project management roleExperience in digital products, user journey creation and contract negotiationsPast knowledge of working with schemes ( Master/Visa) is a plusKnowledge & SkillsGood Interpersonal & communication skills with good spoken EnglishKnowledge of digital onboarding channels , front end applicationsBehavioral CompetenciesStrong communication and negotiation skillsMulti-tasking capabilityPerfectionist