Commercial Manager – Payments

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ACE.SG (Action Community for Entrepreneurship)

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2003

🛍️ eCommerce

💳 Fintech

🏦 Banking

eCommerce • Fintech • Banking

ACE. SG (Action Community for Entrepreneurship) is a global money transfer service that facilitates fast, secure, and easy online transactions for sending money internationally. With the ability to send money to over 100 countries, ACE aims to meet the diverse remittance needs of individuals and businesses alike. The platform prioritizes customer safety and satisfaction, implementing stringent security protocols and offering round-the-clock service for optimal convenience.

📋 Description

• Work directly with the Head of PBI to develop the annual commercial plan and contribute to the 3-year payments infrastructure roadmap • Translate strategic direction from the Head of PBI into structured, actionable plans with clear milestones and owners • Proactively identify gaps in ACE's payments infrastructure by engaging cross-functionally with Partner Success, Partner Onboarding, Operations, Finance etc. • Bring forward commercial solutions — not just problems — with implementation pathways and business logic • Own the commercial narrative for the PBI function, including contribution to the monthly CEO Brief and quarterly commercial reviews • Identify, approach, and commercially evaluate new payments partners — card acquirers, APM providers, open banking rails, FX counterparties, and banking partners • Involvement in all commercial negotiations: from first contact and term negotiation through to handshake before handover to PO. • Build and maintain a live pipeline of prospective partners with commercial assessments and prioritisation rationale • Develop business cases for new partner additions including cost modelling, volume projections, and break-even analysis for Head of PBI sign-off • Own the renegotiation pipeline for existing partners — tracking contract renewal dates, rate review windows, and volume-based tier unlock opportunities • Attend Quarterly Business Reviews and major partner strategy sessions alongside the Head of PBI

🎯 Requirements

• 3-5 years of experience in a commercial, partnerships, or business development role within payments, fintech, or financial services • Proven track record of leading commercial negotiations with card acquirers, payment processors, banks, or FX counterparties • Strong understanding of payment economics — MDR structures, interchange, scheme fees, FX spreads, and open banking pricing • Experience working cross-functionally with operations, technology, and compliance teams to structure and close commercial deals • Ability to build rigorous business cases and commercial models independently, without reliance on a finance team • Excellent written and verbal communication — comfortable presenting commercial analysis and recommendations to senior leadership • Highly organised with the ability to manage multiple negotiation tracks simultaneously without dropping detail

🏖️ Benefits

• Five (5) days working - Saturday & Sunday OFF (All ACE Money Transfer offices accross the globe) • Free Food Facility (Liaison Office - Kharian, Pakistan only) • Free official transport (Liaison Office - Kharian, Pakistan only) • Free Hostel/Executive Accommodation (Liaison Office - Kharian, Pakistan only) • Provident Fund (ACE all Pakistan Offices only) • Interest-Free Loans (ACE all Pakistan Offices only) • Advance salary facilitation (ACE all Pakistan Offices only) • Overtime (All ACE Offices across the Globe, as per policy) • Medical and Life Coverage (ACE all Pakistan Offices only) • Health Insurance (Overseas Offices) • Pension contributions (UK, Ireland, and Australia) • EOBI & PESSI (ACE all Pakistan Offices) • Night Shift Allowance (ACE all Pakistan Offices) • Annual Leaves (All ACE Offices across the Globe, as per policy) • Sick and Casual Leaves (ACE all Pakistan Offices) • Wedding Leaves (ACE all Pakistan Offices) • Umrah and Hajj Leaves (ACE all Pakistan Offices) • Bereavement Leaves (All ACE Offices across the Globe, as per policy)