Digital Payments Specialist

About the job Digital Payments Specialist

JOB TITLE: Digital Payments Specialist

TERM: 9 months (with potential extension)

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
• 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
• Problem‑solving and adaptability in fast‑paced settings