Senior Officer - Business Intelligence

Job description / Role

This role turns noqodi’s data and market knowledge into commercial decisions: what we charge, which clients we win, and where we make money. It is the commercial team’s single source of truth for competitor intelligence, pricing, client profitability, and performance tracking across acquiring, issuance, and wallets. The person will need to be technically strong in how payment gateways, merchant acquiring, and card issuing work.

Key responsibilities

1. Competitive benchmarking and market intelligence

• Build and maintain a benchmark of UAE and regional competitors across acquiring, payment gateways, card issuance, and wallets, covering pricing, products, payment methods, third-party partners, onboarding time, and service levels.
• Track market and emerging trends, regulation (CBUAE, schemes, e-invoicing, WPS), and new entrants, and turn them into clear implications for noqodi.
• 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 the commercial and leadership teams.

2. Analytics, KPI tracking, and reporting

• Build regular reports and dashboards from the data lake, working with the Data and IT teams on data requirements, definitions, and data quality.
• Define and track the commercial KPIs: TPV, transactions, revenue, take rate, margin, active merchants, inactive merchants, active wallets and cards, and pipeline conversion.
• Build and run a profitability view per client and per segment, covering revenue, cost of sale, partner share, and cost to serve.
• Identify loss-making or low-margin clients and propose actions, such as repricing, payment-method routing, or cost renegotiation.
• Track the commercial impact of initiatives such as smart routing, new pricing, and new products after launch.
• Explain variances against budget and forecast, and flag risks and opportunities early.
• Support the annual budget and business plan with volume, revenue, and margin drivers.

3. Pricing and deal support

• Maintain noqodi’s rate cards and pricing models for acquiring (by MCC, card type, domestic or international, e-commerce or POS), issuance, and wallet services.
• Model deal economics before quotes go out, including interchange, scheme fees, acquirer and partner costs, and the resulting margin.
• Recommend price points and floors for strategic deals and partner channels, and track realized versus list pricing.
• Assist with preparation of client propositions, presentations, and business cases for strategic government and enterprise clients.

4. Team development

• As the function grows, mentor one to two analysts and set the standards for data definitions, report formats, and model documentation.

Requirements

Education

• Bachelor’s degree in engineering, computer science, finance, economics, or a related field.
• Payments certifications (for example, Visa or Mastercard programmes) are an advantage.

Experience

• Five to eight years of experience in payments, with a PSP, payment gateway, merchant acquirer, card scheme, issuing bank, or payments consultancy.
• Hands-on exposure to at least two of the following: merchant acquiring, payment gateways, card issuing, and digital wallets. Acquiring or payment gateway experience is preferred.
• Experience building KPI reports, dashboards, and client or segment profitability analyses.
• Exposure to pricing models and supporting Sales with client propositions.
• UAE or GCC payments experience, including government payment platforms, is a strong advantage.

Technical and payments knowledge

• Understanding of how card and wallet transactions flow end to end: authorisation, clearing, settlement, chargebacks, and reconciliation.
• Understanding of the economics of acceptance and issuing, including interchange, scheme fees, MDR, acquirer costs, and partner revenue share, is an advantage.
• Knowledge of local and alternative payment methods, including Apple Pay and Google Pay, BNPL, direct debit, Aani, and bank transfers.
• Understanding of merchant and wallet lifecycle metrics, including activation, inactivity, and churn.
• Working knowledge of SQL and BI tools such as Power BI or Tableau, sufficient to define requirements, check data, and build simple views; advanced Excel modelling skills.

Skills

• Strong analytical and modelling skills, with the ability to turn messy data into a clear recommendation.
• High attention to detail; reports are accurate and delivered on time, from daily to yearly.
• Clear writing and presentation skills, with the ability to turn data into management reports and client-ready material.
• Commercial judgement and the ability to assess whether a deal is profitable.
• Ability to work across Sales, Product, Finance, Operations, and IT, and manage several requests at once.
• Excellent communication skills.