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product lead merchants vp svp

HugoBank

<div>
 The Product Owner - Merchants is responsible for building, managing, and scaling HugoBank's SME ecosystem, encompassing payments enablement, financial operations, and credit access for small and medium enterprises. This role will design and execute digital propositions that simplify how SMEs collect payments, manage liquidity, and access financing through products such as working capital loans, invoice factoring, inventory finance, and BNPL for businesses. The incumbent is required to deliver seamless SME experiences, drive ecosystem growth, and strengthen HugoBank's position as a digital-first SME bank. The role demands a unique blend of product strategy, commercial acumen, regulatory understanding, and on-ground SME experience to translate the needs of small businesses into scalable financial solutions.
 <br/>
 <br/>
 <strong>
  Responsibilities:
  <br/>
  <br/>
 </strong>
 <strong>
  Merchant &amp; Payments Product Development:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Lead the design and execution of the SME Product Roadmap, focusing on payment acceptance, cashflow management, and financing enablement for SMEs
  </li>
  <li>
   Develop targeted SME acquisition strategies for priority clusters such as distributors, pharmacies, wholesalers, and e-commerce sellers
  </li>
  <li>
   Roll out digital acceptance solutions (e.g., QR, POS, Tap-to-Phone, RAAST, and payment links) tailored to SME business models
  </li>
  <li>
   Build digital business account structures with transparent settlement cycles, automated reconciliations, and integrated invoicing tools
  </li>
  <li>
   Develop value-added services (e.g., digital invoicing, spend insights, and business analytics dashboards) that enhance financial management for SMEs
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Payments Strategy &amp; Product Development:
  <br/>
  <br/>
 </strong>
 <li>
  Develop and operationalize SME lending products, including:
 </li>
 <ul>
  <li>
   Working Capital Loans / Running Finance
  </li>
  <li>
   Inventory or Distributor Finance Invoice Factoring &amp; Receivables Finance
  </li>
  <li>
   BNPL for SMEs / Micro-Business Financing
  </li>
  <li>
   Use SME transaction data to build cashflow-based credit scoring models, enabling faster and fairer access to financing
  </li>
  <li>
   Embed credit journeys directly within the Merchant app (from application to approval, disbursement, and repayment)
  </li>
  <li>
   Conduct risk-return analysis, product pricing, and profitability modelling for SME credit lines
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Partnerships &amp; Ecosystem Development:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Forge strategic alliances with anchor corporates, FMCGs, distributors, and aggregators (e.g., Getz Pharma, M&amp;P, retail supply chains) to onboard SME networks and enable embedded finance models
  </li>
  <li>
   Collaborate with payment service providers (PSPs), fintechs, and marketplaces to expand reach and co-create merchant solutions
  </li>
  <li>
   Engage with card schemes, RAAST, 1LINK, and SBP to ensure regulatory alignment and interoperability for SME payment flows
  </li>
  <li>
   Represent the Bank in SME ecosystem forums to promote digital adoption and financial empowerment
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Insights, Analytics &amp; Optimisation:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Leverage merchant transaction data to identify lending opportunities and design incentive programs
  </li>
  <li>
   Define and track KPIs such as activation, churn, credit utilisation, and transaction growth
  </li>
  <li>
   Conduct periodic market and competitor benchmarking to evolve HugoBank's merchant value proposition
  </li>
  <li>
   Present insights and performance dashboards to management for strategic decision-making
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Risk, Compliance &amp; Operations:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Design and maintain robust KYB/KYC frameworks, ensuring that onboarding processes for merchants and SME borrowers adhere to AML/CFT and customer due-diligence standards
  </li>
  <li>
   Partner with Risk, Compliance, and Fraud Management teams to establish proactive controls, fraud monitoring dashboards, and alert mechanisms for abnormal transaction patterns or repayment irregularities
  </li>
  <li>
   Develop merchant lending products (inventory finance, invoice factoring, BNPL), ensuring data-driven assessment of repayment capacity based on transaction history and cash-flow analysis
  </li>
  <li>
   Drive continuous monitoring of portfolio health, NPL ratios, and take corrective actions in coordination with Risk and Finance functions
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Cross-Functional Leadership:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Collaborate with liabilities Product, Marketing, Tech, and Data to deliver integrated merchant offerings
  </li>
  <li>
   Partner with Product Owner Lending to create merchant financing products (working capital, invoice factoring, BNPL for SMEs)
  </li>
  <li>
   Work with Analytics to derive insights from merchant transaction data to enhance engagement
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Requirements
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Bachelor's degree in Business Administration, Economics, Finance, or related field
  </li>
  <li>
   Master's degree or professional certification in Payments/FinTech preferred
  </li>
  <li>
   Minimum 10 years of experience in Merchant Onboarding, payments and digital financial services
  </li>
  <li>
   Proven track record of developing and scaling merchant/payment propositions
  </li>
  <li>
   Strong understanding of SBP regulations and digital payment systems
  </li>
  <li>
   Familiarity with payment gateways, fintech APIs, and merchant onboarding technologies (KYB/KYC)
  </li>
  <li>
   Commercial acumen with the ability to design pricing, revenue-sharing, and incentive models for merchants
  </li>
  <li>
   Experience in building merchant acquisition strategies and scaling payment ecosystems
  </li>
  <li>
   Data-driven mindset with the ability to use BI tools/analytics to track merchant performance and design interventions
  </li>
  <li>
   Commercially driven, Entrepreneurial mindset, Stakeholder management, Strong problem-solving
  </li>
 </ul>
</div>


Product Lead - Merchants (VP/SVP)

<p></p><div><p>The Product Owner - Merchants is responsible for building, managing, and scaling HugoBank&rsquo;s SME ecosystem, encompassing payments enablement, financial operations, and credit access for small and medium enterprises. This role will design and execute digital propositions that simplify how SMEs collect payments, manage liquidity, and access financing through products such as working capital loans, invoice factoring, inventory finance, and BNPL for businesses. The incumbent is required to deliver seamless SME experiences, drive ecosystem growth, and strengthen HugoBank&rsquo;s position as a digital-first SME bank. The role demands a unique blend of product strategy, commercial acumen, regulatory understanding, and on-ground SME experience to translate the needs of small businesses into scalable financial solutions.<br>
<br>
</p><p><b>Responsibilities:</b></p><p><b><br>
Merchant &amp; Payments Product Development:</b></p><ul>
<li>
Lead the design and execution of the SME Product Roadmap, focusing on payment acceptance, cashflow management, and financing enablement for SMEs.</li>
<li>Develop targeted SME acquisition strategies for priority clusters such as distributors, pharmacies, wholesalers, and e-commerce sellers.</li>
<li>Roll out digital acceptance solutions (e.g., QR, POS, Tap-to-Phone, RAAST, and payment links) tailored to SME business models.</li>
<li>Build digital business account structures with transparent settlement cycles, automated reconciliations, and integrated invoicing tools.</li>
Develop value-added services (e.g., digital invoicing, spend insights, and business analytics dashboards) that enhance financial management for SMEs.<br>
<li>
</li>
</ul><p><b>Payments Strategy &amp; Product Development:</b></p><ul>
<li>
Develop and operationalize SME lending products, including:</li>
<li><ul><li>Working Capital Loans / Running Finance</li>
<li>Inventory or Distributor Finance Invoice Factoring &amp; Receivables Finance</li>
<li>BNPL for SMEs / Micro-Business Financing</li>
</ul></li></ul><ul><li>Use SME transaction data to build cashflow-based credit scoring models, enabling faster and fairer access to financing.</li>
<li>Embed credit journeys directly within the Merchant app (from application to approval, disbursement, and repayment).</li>
Conduct risk-return analysis, product pricing, and profitability modelling for SME credit lines.<br>
<li>
</li>
</ul><p><b>Partnerships &amp; Ecosystem Development:</b></p><ul>
<li>
Forge strategic alliances with anchor corporates, FMCGs, distributors, and aggregators (e.g., Getz Pharma, M&amp;P, retail supply chains) to onboard SME networks and enable embedded finance models.</li>
<li>Collaborate with payment service providers (PSPs), fintechs, and marketplaces to expand reach and co-create merchant solutions.</li>
<li>Engage with card schemes, RAAST, 1LINK, and SBP to ensure regulatory alignment and interoperability for SME payment flows.</li>
Represent the Bank in SME ecosystem forums to promote digital adoption and financial empowerment.<br>
<li>
</li>
</ul><p><b>Insights, Analytics &amp; Optimisation:</b></p><ul>
<li>
Leverage merchant transaction data to identify lending opportunities and design incentive programs.</li>
<li>Define and track KPIs such as activation, churn, credit utilisation, and transaction growth.</li>
<li>Conduct periodic market and competitor benchmarking to evolve HugoBank&rsquo;s merchant value proposition.</li>
<li>Present insights and performance dashboards to management for strategic decision-making.</li></ul><p><br>
<b>
Risk, Compliance &amp; Operations:</b></p><ul>
<li>
Design and maintain robust KYB/KYC frameworks, ensuring that onboarding processes for merchants and SME borrowers adhere to AML/CFT and customer due-diligence standards.</li>
<li>Partner with Risk, Compliance, and Fraud Management teams to establish proactive controls, fraud monitoring dashboards, and alert mechanisms for abnormal transaction patterns or repayment irregularities.</li>
<li>Develop merchant lending products (inventory finance, invoice factoring, BNPL), ensuring data-driven assessment of repayment capacity based on transaction history and cash-flow analysis.</li>
Drive continuous monitoring of portfolio health, NPL ratios, and take corrective actions in coordination with Risk and Finance functions.<br>
<li>
</li>
</ul><p><b>Cross-Functional Leadership:</b></p><ul>
<li>
Collaborate with liabilities Product, Marketing, Tech, and Data to deliver integrated merchant offerings.</li>
<li>Partner with Product Owner Lending to create merchant financing products (working capital, invoice factoring, BNPL for SMEs).</li>
<li>Work with Analytics to derive insights from merchant transaction data to enhance engagement.</li>
</ul><p></p><p><b>
Requirements</b></p><ul>
<li>
Bachelor&rsquo;s degree in Business Administration, Economics, Finance, or related field.</li>
<li>Master&rsquo;s degree or professional certification in Payments/FinTech preferred.</li>
<li>Minimum 10 years of experience in Merchant Onboarding, payments and digital financial services.</li>
<li>Proven track record of developing and scaling merchant/payment propositions.</li>
<li>Strong understanding of SBP regulations and digital payment systems.</li>
<li>Familiarity with payment gateways, fintech APIs, and merchant onboarding technologies (KYB/KYC).</li>
<li>Commercial acumen with the ability to design pricing, revenue-sharing, and incentive models for merchants.</li>
<li>Experience in building merchant acquisition strategies and scaling payment ecosystems.</li>
<li>Data-driven mindset with the ability to use BI tools/analytics to track merchant performance and design interventions.</li>
<li>Commercially driven, Entrepreneurial mindset, Stakeholder management, Strong problem-solving.</li></ul></div><p></p>

OMA Pakistan Pvt Ltd

<p><b>Role Overview: </b></p><p>We are looking for a bold and driven <b>Head of Business Development</b> to aggressively expand our market presence and accelerate revenue growth across the payment&rsquo;s ecosystem in Pakistan. This role is all about winning new business, closing high-value deals, and forging powerful partnerships with banks, FinTechs, PSPs, telcos, and merchants. The ideal candidate is a relentless business and sales leader who thrives on building pipelines, outpacing competitors, and delivering rapid, scalable growth in the fast-moving digital payments industry.</p><p><b>Key Responsibilities:</b></p><p><b>Strategy &amp; Leadership:</b></p><ul><li>Define and drive the company&rsquo;s business development strategy aligned with growth ambitions in the payment ecosystem.</li><li>Lead, coach, and grow a high-performing business development team across Pakistan.</li><li>Build market intelligence frameworks to anticipate industry shifts and position the company as a leader in payment innovation.</li><li>Build business models around Third-Party Processing (TPP), BIN sponsorship, and Aggregator/PSP models.</li><li>Lead the market entry and expansion strategy, aligned with company goals and local regulations. Market Expansion &amp; Client Management</li><li>Develop and nurture relationships with banks, FinTech, PSPs, telcos, merchants, and other ecosystem stakeholders.</li><li>Identify, negotiate, and close strategic partnerships that enhance our technology stack, distribution channels, and solution offerings.</li><li>Explore opportunities for expansion in new markets and segments, leveraging global partnerships.</li><li>Lead high-value proposals, RFPs, and solution design for large-scale client implementations.</li><li>Act as the strategic advisor and primary point of contact for key accounts.</li><li>Revenue, Growth and P&amp;L Management Own the business development pipeline and ensure consistent achievement of revenue targets.</li><li>Drive consultative selling by aligning client needs with our technology-led, solution-driven offerings.</li><li>Collaborate with product and technology teams to influence the development of innovative, market-relevant solutions.</li><li>Take full ownership of the Business Development P&amp;L, driving strategic initiatives to maximize revenue, optimize costs, and deliver sustainable profit growth Cross-Functional Alignment Partner with marketing to craft go-to-market strategies, campaigns, and thought leadership in the payments space.</li><li>Work with operations and delivery teams to ensure seamless client onboarding and value realization.</li><li>Provide regular performance reports, revenue forecasts, and business insights to senior leadership.</li></ul><p><b>Qualifications &amp; Experience: </b></p><p>Bachelor&rsquo;s degree in Business, Finance, or Technology (MBA preferred)..</p><p>10-12 years of progressive experience in the payments, fintech, or financial services industry.</p><p>Minimum 5 years in a senior leadership role managing business &amp; sales lines and experience in the following areas;</p><p>Card Issuing (CMS, digital issuance, EMV)</p><p>Merchant Acquiring (POS, e-commerce, TMS)</p><p>Card Personalization &amp; Fulfilment</p><p>Third-Party Processing (TPP)</p><p>On-Prem or Hybrid Technology Deployments</p><p>Managed &amp; Outsourced Payment Services Back Office Payment Processing (Reconciliation, Disputes)</p><p>Payment Gateway &amp; Aggregator/PSP Business Models</p><p>Familiarity with Pakistan&rsquo;s regulatory environment (SBP, PTA), Local and global schemes (PayPak, Visa, Mastercard, UnionPay, etc.)</p><p><b>Skills &amp; Attributes: </b></p><p>Strong commercial acumen with a deep understanding of payment business models. Ability to lead product and tech discussions with credibility.</p><p>Excellent stakeholder and partner management skills.</p><p>Strategic thinker with hands-on problem-solving capability.</p><p>Strong communication and leadership presence</p><p>Job Type: Full-time</p><p>Pay: From Rs500,000.00 per month</p><p>Work Location: In person</p>

Head of Business Development

Snoonu

<div><div><b>Welcome to Your Next Adventure!</b></div><div></div><div><br>
As a <b>Vendor Compliance Associate</b>, you&rsquo;ll play a key role in ensuring smooth collaboration between our live operations team and partner merchants. This position is all about smart problem-solving &mdash; stepping in where the Live Ops team needs additional support, identifying process gaps, and driving issue resolution directly with partner management when required. You&rsquo;ll help strengthen partnerships, enhance service quality, and ultimately ensure that every customer enjoys a seamless experience.</div><div></div><div><br>
Importantly, <b>your performance in this role is directly linked to the performance of our vendors</b>, as you&rsquo;ll be working to ensure they consistently meet operational and service standards.</div><div></div><div><b><br>
What You&rsquo;ll Get Your Hands On:</b></div><ul><li>
Monitoring live orders, cancellations, customer concerns, post-delivery complaints, and merchant-related delays that could impact customer satisfaction.</li><li>
Coordinating with teams during major events or peak periods to ensure merchants are well-prepared to handle increased demand.</li><li>
Establishing and maintaining effective communication channels with merchants via email, phone, and other platforms to address and resolve issues promptly.</li><li>
Analyzing vendor performance trends and identifying opportunities to improve compliance and service quality.</li><li>
Proactively developing and implementing new, resolution-centric approaches to streamline processes and enhance efficiency.</li><li>
Supporting internal teams to ensure timely escalation and closure of merchant-related issues.</li></ul><div></div><div><b><br>
The Magic You Bring</b></div><ul><li>
Exceptional written and verbal communication skills, including professional call handling, email correspondence, and structured escalation management.</li><li>
Strong interpersonal skills with the ability to build trusted relationships within internal teams, the partnership team, and external merchants.</li><li>
A proactive mindset with analytical thinking and the ability to prioritize and manage multiple responsibilities effectively.</li><li>
Fluency in <b>English and Arabic</b>, with the ability to navigate and appreciate cross-cultural business interactions.</li></ul><div></div><div><b><br>
Bonus Points if You Have:</b></div><ul><li>
Previous experience in vendor relations, live operations, customer experience, or compliance management.</li><li>
Proven success in improving vendor performance or driving compliance initiatives.</li></ul><div></div><div><b><br>
Inside Snoonu&rsquo;s Universe:</b></div><div>
Snoonu is Qatar&rsquo;s homegrown Super App, reinventing daily life with blazing-fast delivery, ride-hailing, and shopping - all in one place. Powered by tech, driven by a global team, and obsessed with making life easier.</div><div></div><div><b><br>
The Dream We&rsquo;re Chasing:</b></div><div>
To be the first Qatari Super App that propels the region and its community through innovation and technology. We envision a global expansion where what we do surpasses norms and limitations every time.</div><div></div><div><b><br>
The Quest We&rsquo;re On:</b></div><div>
To radically transform how people live by leveraging technology to connect them with endless possibilities.</div><div></div><div><b><br>
Our Everyday Superpowers:</b></div><ul><li><b>
Be Customer Obsessed: </b>&ldquo;Focus on the customer and all else will follow.&rdquo;</li><li><b>
Act with Integrity: </b>&ldquo;We are honest, ethical, and trustworthy in everything we do.&rdquo;</li><li><b>
Be Curious and Creative:</b> &ldquo;We constantly innovate and create solutions to bring a lasting positive impact.&rdquo;</li><li><b>
Lead by Example and Take Ownership:</b> &ldquo;Be the change you want to see and take ownership.&rdquo;</li><li><b>
Work Smart and Deliver Results: </b>&ldquo;You can do more by doing less, better, and faster.&rdquo;</li><li><b>
It's All About People: </b>&ldquo;Be a team player; together we are stronger.&rdquo;</li></ul><div></div><div><b><br>
Perks &amp; Worklife Magic at Snoonu:</b></div><ul><li><b>
Global Vibes &ndash;</b> Collaborate with a worldwide crew.</li><li><b>
Brain Boosters &ndash;</b> Learning budgets, access to courses, and tools for your growth.</li><li><b>
Builder&rsquo;s Playground &ndash;</b> Own your tasks, own your path! We&rsquo;re big on autonomy.</li><li><b>
Flexible Time Off &ndash;</b> We take recharging seriously. Generous leave and wellness policies.</li><li><b>
Agile Everything &ndash;</b> Scrum isn&rsquo;t a buzzword here. It&rsquo;s how we roll, from product to ops.</li></ul><div></div><div><b><br>
Beyond the Code: Giving Back Matters</b></div><div>
We don&rsquo;t just build app. We&rsquo;re committed to doing business sustainably and giving back to the community that fuels us. From eco-conscious practices to CSR projects, we&rsquo;re always finding ways to do better&mdash;and we invite you to be a part of that mission.</div><div></div><div><b><br>
Diversity Isn&rsquo;t Just a Buzzword</b></div><div>
At Snoonu, fairness and inclusion are the foundation of everything we do. We&rsquo;re proud to be an equal opportunity workplace that welcomes people from every walk of life. Be bold. Be you. Thrive here.</div><div></div><div><b><br>
Let&rsquo;s Build the Future Together</b></div><div>
Apply now to join a team where your contributions spark a change and your voice is heard. Let&rsquo;s make some magic together.</div><div>
Stay in the loop&mdash;connect with us on https://www.linkedin.com/company/snoonu-qatar/life/17ebe029-323b-4616-939c-5df5d41f2eee/!</div></div>

Vendor Compliance Executive

Pakistan Single Window

<div><ul><li>Compile and maintain IT audit universe and develop risk based annual IT audit plan.</li></ul><ul>
<li>Complete audit fieldwork within the approved timeframe in accordance with the annual audit plan.</li>
<li>Initiate and complete Information Systems and Information Technology audit in accordance with ISACA standards and COBIT framework.</li>
<li>Conduct IT audits and reviews of systems, applications and processes including, Pre/Post implementation reviews, Cyber Security Review (e.g., network, operating system, and data center),
</li><li>IT Landscape/Baseline Assessments and Business Application Reviews to include system development standards, operating procedures, system security, programming controls, communication controls, backup and disaster recovery, and system maintenance.</li>
<li>Directs or performs reviews of the internal control procedures and security for systems under development and/or enhancements to the current system.</li>
<li>Help implement an audit software in PSW. Assists and train other audit staff in the use of computerized audit techniques, and in developing methods for review and analysis of computerized information systems.</li>
<li>Assist VP Internal Audit (VP Audit) in developing audit programs ensuring that auditing steps will accomplish the objectives, address major risk and exposures, and reasonably ensure completion of the assignment within the allocated time.</li>
<li>Assist VP Audit during each phase of audit engagements from planning till conclusion ensuring audit is completed within the given timeframe.</li>
<li>Assist in the development and implementation of the annual risk-based audit plan and budgeting.</li>
<li>Compile the audit working paper files on an ongoing basis.</li>
<li>Review audit working papers to ensure completeness and adequacy of the same and to ensure that appropriate and sufficient audit work has been performed to achieve audit objectives.</li>
<li>Report all draft observations along with recommendations to VP Audit.</li>
<li>Make an initial report against each assigned engagement including audit findings and recommendations and submit the same to VP Audit for review.</li>
<li>Verify facts for all reports issued by Internal Audit Department.</li>
<li>Assess the actions taken by management to resolve the audit observations and report to VP Audit matters to be followed up with the management.</li>
<li>Recommend improvement in internal controls designed to safeguard resources and to comply with applicable PSW policies, procedures, laws and regulations.</li>
<li>Carry out operational, compliance and special investigative audits as assigned and communicate all observations to VP Audit for review.</li>
<li>Ensure compliance with audit manual and company&rsquo;s policies and procedures.</li>
<li>Perform any other function in connection with the internal audit assigned by VP Audit/CIA.</li>
</ul><p><b>
Requirements</b></p><ul>
<li>
Bachelor's or higher degree in Computer Science, Information Technology, Software Engineering or CAF/ACCA/ACMA/CIA and Professional security certifications (CISSP, CRISC, or CISA) (preferably)</li>
<li>Atleast 8-9 years&rsquo; experience in Information Systems &amp; Technology audits</li>
<li>Strong analytical thinking and problem-solving capabilities</li>
<li>Ability to take initiative and independent state of mind</li>
<li>Flexible and adaptable to different working environments</li>
<li>Knowledge of Data Analytics</li>
<li>Familiarity with Information/Cyber Security Standards</li>
<li>Experience of conducting Risk Assessment</li>
</ul><p><b>
Benefits</b></p><ul>
<li>
Competitive salary</li>
<li>Fuel Card</li>
<li>Health benefits</li>
<li>Professional development opportunities</li>
<li>Inclusive work culture &amp; much more</li></ul></div>

Lead Information Systems Auditor

Visa

<div><b>Company Description</b><p><br>
Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose &ndash; to uplift everyone, everywhere by being the best way to pay and be paid.</p><p>
Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.</p><b><br>
Job Description</b><p><br>
Visa&rsquo;s CEMEA Risk organization is seeking a Senior Manager to join its team to manage Digital Payment risks across Pakistan and Levant.</p><p>
As the face of Risk, the senior manager&rsquo;s external obligation is to ensure Visa&rsquo;s interactions with clients, partners, merchants, and other third parties on risk related matters are well informed, effective, and collectively moving the Visa ecosystem towards a stronger state. Internally, the RM Manager&rsquo;s obligation is to leverage our market knowledge and presence to ensure Visa&rsquo;s risk related policies, programs and frameworks are aligned with current and future business demands.</p><p>
Reporting directly to the Senior Director, Risk, North Africa, Levant &amp; Pakistan (NALP), this individual contributor role requires frequent collaboration with internal stakeholders across PKL, NALP and CEMEA regions.</p><ul><li>
Market Knowledge - Ensure deep awareness of the market(s) pulse, payment system and other risks to clients operating in each market, and the past and present tactics being deployed to mitigate these risks.</li><li>
Business Alignment - Align Visa&rsquo;s risk-related objectives and activities with Visa&rsquo;s business goals in the same area in order to maximize long term growth.</li><li>
Relationship Management - Engage key stakeholders (clients, partners, law enforcement, government and others) to secure support for Visa's goals and address identified risks.</li><li>
Thought Leadership - Differentiate Visa through out of box thinking and demonstrating thought leadership to payment system stakeholders on risk issues, pulling from local, regional, and global sources.</li><li>
Communication - Ensure strong communication and provide marketplace feedback around Visa&rsquo;s risk related programs and policies, and other activities</li></ul><p>
Key Responsibilities</p><ul><li><p>
Develop and execute client engagement plans and materials to help clients optimize fraud performance, mitigate fraud and data compromise events, promote stronger authentication and data security, and help enforce Visa&rsquo;s external risk programs and policies.</p></li><li><p>
Align Visa&rsquo;s risk related objectives and activities with Visa&rsquo;s business goals in the same area to maximize long-term growth.</p></li><li><p>
Promote Visa Risk Products, Capabilities and Solutions within the assigned client&rsquo;s portfolio to differentiate Visa in the Payments Ecosystem</p></li><li><p>
Drive customized risk engagements and provide focus to key clients, fintechs, merchants, and emerging payment stakeholders.</p></li><li><p>
Deliver client engagement plans and materials to help clients optimize fraud performance, determine the type and frequency of engagements.</p></li><li><p>
Provide Risk analytics support for the markets supported for existing clients &amp; other stakeholder engagements.</p></li><li><p>
As a risk expert, the role will collaborate with Central Europe, Middle East and Africa (CEMEA) Risk team members, client account executives, Merchant Sales and Acceptance (MS&amp;A), Visa Rules, Visa Consulting and Analytics (VCA), Data scientists, Product leaders and Visa Ethics &amp; Compliance to deliver innovative risk strategies, fraud reduction opportunities and payment system intelligence.</p></li><li><p>
Lead ad-hoc projects in support of overall risk and corporate initiatives.</p></li><li><p>
Participate in market forums (e.g. clients, law enforcement, regulators, industry participants), and drive consumer awareness campaigns of payment system stakeholders to drive greater awareness and support for Visa&rsquo;s payment system risk strategy.</p></li><li><p>
Be the point of reference in all risk related engagement with regulatory and industry bodies.</p></li></ul><p>
This is a hybrid position. Expectation of days in office will be confirmed by your hiring manager.</p><b><br>
Qualifications</b><p><br>
Basic Qualifications</p><ul><li>
Experience in managing fraud risk, transaction monitoring operations and suspicious transaction review.</li><li>
Experience with the credit risk landscape across the credit lifecycle.</li><li>
Good understanding of and experience with acquiring risk with hands on application experience improving the acquiring risk posture of an entity.</li><li>
Good understanding of illegitimate transaction flow typologies, root causes, and key signs.</li><li>
Managed third party risk assessment, responsibility for evaluating risk controls, and reviewer of risk control reporting in the organization.</li><li>
Self-starter with excellent communication skills, both oral and written.</li><li>
Ability to drive results with multiple stakeholders and cultivate strong and trusted relationships with internal stakeholders, clients, partners, and regulators.</li></ul><p>
Preferred Qualifications</p><ul><li>
Bachelor&rsquo;s degree (post-graduate qualifications preferred) with 7+ years of progressive experience working in the payment services or financial industry.</li><li>
Strong understanding of Digital Payment risks and current and emerging payment system risk trends across Middle East &amp; Africa.</li><li>
Experience in managing fraud risk, transaction monitoring operations and credit operations.</li><li>
Ability to influence at mid to senior levels both internally and externally.</li><li>
Excellent written, oral and presentation skills and an ability to synthesize complex and technical information into clear recommendations on course of action.</li><li>
Detail orientation and strong analytical skills, willingness to think outside the box to offer new ways to approach old problems.</li><li>
Ability to identify and pursue multiple initiatives simultaneously and deliver superior results.</li><li>
Experience determining when to escalate to management and identify the right stakeholders for decision making.</li><li>
Excellent collaboration and communications skills with experience in influencing, communicating and driving change through cross functional groups, including the ability to build consensus across disparate views.</li><li>
Positive, proactive, solution-oriented problem solver who gets things done within a matrix organization.</li><li>
Experience in preparing, reviewing, and delivering (concise) management level communications.</li><li>
Strong data analysis and problem-solving skills with demonstrated intellectual &amp; analytical ability to summarize raw data to tell a simple story supported by data to management and partners.</li><li>
Self driven professional with a vision and passion to continuously raise the benchmark for self and the broader team.</li><li>
Strong attention to detail and achieving results, with an emphasis on being naturally curious and committed.</li></ul><br>
<b>
Additional Information</b><p><br>
Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.</p></div>

Senior Manager - Risk Management Pakistan & Levant

HRSG

<p><b>HRSG - Innovative Business Solutions</b> is partnering with a leading multinational financial institution to identify a seasoned professional for the position of AVP/VP Marketing and Promotions within its Treasury &amp; Corporate Banking division. The role entails managing key corporate relationships, providing market insights, and supporting treasury operations across local and international portfolios.</p><p>Key Responsibilities<br/>Manage and strengthen relationships with a portfolio of 40&ndash;50 corporate and institutional clients, including local and foreign entities.<br/>Conduct economic and market research to develop actionable business and investment insights.<br/>Support treasury operations, investment activities, and corporate client strategies.<br/>Prepare market reports, forecasts, and business intelligence summaries for management review.<br/>Ensure compliance with financial regulations and treasury standards.<br/>Candidate Profile</p><p>10&ndash;12 years of progressive experience in Treasury and/or Corporate Banking.<br/>Strong expertise in relationship management, economic analysis, and business research.</p><p>Sound understanding of regulatory frameworks and treasury functions.</p><p>Excellent communication, stakeholder management, and analytical skills.</p><p>Candidates from research or financial advisory backgrounds are encouraged to apply.</p><p>Joining timeline: Immediate / as soon as possible.</p><p>Job Type: Full-time</p><p>Pay: Rs400,000.00 - Rs500,000.00 per month</p><p>Work Location: In person</p>

AVP/VP Marketing & Promotions (Treasury & Corporate Banking)

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AVP/VP Marketing & Promotions (Treasury & Corporate Banking)