Portfolio Lead: B2C Financial Services

• Manage end-to-end processing of remittance transactions, including validation, currency conversion, and settlement via MTO rails.
• Liaise with banking partners and liquidity providers to maintain adequate funds for efficient transaction execution in remittances.
• Perform reconciliations with MTO rails, resolving discrepancies or failed transactions within defined SLAs.
• Track FX rates and partner with treasury teams to mitigate FX losses in cross-border remittances.
• Oversee accounting workflows and generate partner-level reports for remittances.
• Work collaboratively with support teams to resolve transaction inquiries, disputes, and issues promptly.
• Offer operational insights to enhance customer experience and streamline resolution processes for remittances.
• Own key KPIs and implement enhancements to boost efficiency.

• Supervise comprehensive e-money wallet operations with the Wallet OPs lead, encompassing user onboarding, funding (via bank transfers, cards, etc.), balance management, and transaction processing across the GCC.
• Work closely with Payment OPs to ensure payment gateways and custodian banks to ensure wallet liquidity and secure, real-time transfers.
• Analyze wallet usage, fees, and interchange rates to optimize costs and improve user retention.
• Ensure timely reporting to banks, schemes and regulators
• Partner with support teams to handle wallet-related queries, such as balance disputes, KYC concerns, or reversals.
• Provide actionable insights to refine wallet user experience, and a feature roadmap for the wallet ecosystem
• Own wallet-specific KPIs

• Cultivate and sustain relationships with MTOs, banks, and financial partners to negotiate favorable terms and ensure reliable remittance services.
• Identify and secure commercial agreements with new remittance rail providers to optimize corridors as required.

• Own partnerships with custodian banks and existing vendors for compliant, efficient and best-in-market wallet offerings.
• Identification and end to end closure of new partners vis-a-vis the roadmap of service offerings

• Oversee remittance portfolio health, focusing on revenue growth, cost optimization, and ECL monitoring in collaboration with the risk team.
• Support currency portfolio management by analyzing market conditions and optimizing holdings for remittances.
• Contribute to competitive pricing and fee structures that attract customers while preserving profitability.
• Own the P&L for remittances, managing cost and revenue lines, attribution margins, and net performance.

• Refine pricing strategies to deliver a market-leading remittance offering.
• Collaborate with the Consumer Financing Portfolio Manager to enable Send-Now-Pay-Later features via the Tabby Cross-Border Remittance platform.
• Prepare monthly SteerCo updates with detailed P&L reports and portfolio strategies for remittances.
• Assist in financial planning and investor reporting as necessary.

• Monitor wallet portfolio health across the GCC, emphasizing transaction revenue, and improve cost efficiencies.
• Optimise wallet pricing models, including fees, tiers, and incentives, to promote adoption and profitability.
• Own the P&L for e-money wallets, managing cost and revenue lines, attribution margins, and net performance.

• Evolve pricing strategies for competitive, user-centric wallet options in the GCC.
• Prepare monthly SteerCo sessions with tailored P&L reports and growth plans for e-money wallets.
• Assist in financial planning and investor reporting as necessary.

• Lead compliance efforts for remittances, including obtaining licenses and NOCs in target markets.

• Secure approvals from regional Central Banks for remittance operations.
• Obtain NOCs for emerging MTO partners across regions.
• Partner with legal, compliance, and product teams for timely regulatory submissions and preparedness.
• Implement regulatory mandates for remittance products in collaboration with product teams.

• Spearhead compliance for e-money wallets, including E-Money licenses and renewals from GCC regulators

• Pursue licensing from Central Banks and authorities in GCC countries for e-money services.
• Acquire NOCs for new wallet offerings as opportunities develop.
• Partner with legal, compliance, and product teams for timely regulatory submissions and preparedness.
• Implement regulatory mandates for e-wallets, such as transaction limits, verification processes, and reporting, with product teams.

• Proven experience (4-6 years) in cross-border remittances is mandatory.
• Prior management of e-money wallet portfolios, consumer financing, or similar fintech products, preferably in the GCC.
• Strong understanding of financial operations, P&L management, and regulatory landscapes in payments and remittances.
• Excellent analytical skills with the ability to monitor KPIs, optimize processes, and drive profitability.
• Demonstrated success in partner management and commercial negotiations.
• Bachelor's degree in Finance, Business, or a related field; advanced certifications (e.g., in compliance or fintech) are a plus.
• Exceptional communication and collaboration skills to work across teams.

• We offer flexible working hours and trust you to work enough hours to do your job well at times that suit you and your team.
• A working environment that gives you autonomy and responsibility from day one.
• You should be comfortable with the idea that the quality of your work will influence the shape of your career.
• Participation in the company's employee stock options program.
• Health Insurance.
• Flexi Perks: A monetary benefit that gives you the freedom to use it as you choose-whether for health and well-being, education and professional development or travel needs!

Tabby