Job Overview
We are seeking a local Pakistani professional with 5+ years of fintech payment business development experience in Pakistan’s local banking, payment aggregation and merchant acquiring ecosystem. The ideal candidate has in-depth industry resources and practical experience in local mainstream banks, payment institutions and chain merchant markets.
Different from traditional solution project management roles, this position is 100% business development oriented, focusing on local payment institution strategic cooperation, head chain merchant expansion, and offline merchant network layout. The incumbent will rely on local industry resources to drive the landing of our innovative financial payment business, capture MDR sharing revenue through merchant acquiring scenarios, and build a sustainable local payment business ecosystem.
Key Job Responsibilities
1. Local Payment Market Research & Business Layout
Conduct in-depth research on Pakistan’s local payment industry policies, SBP regulatory rules, merchant acquiring market status and competitive landscape. Accurately identify market pain points and business opportunities for innovative credit payment and acquiring scenarios. Independently sort out business demands, output targeted business development plans, and support the iterative optimization of local payment business models suitable for Pakistani market characteristics.
2. Strategic Institution Cooperation & Landing
Develop and maintain core cooperative resources including local mainstream commercial banks (Bank Alfalah, etc.), payment aggregators, EMI wallets and third-party payment institutions. Take full charge of the whole BD process including potential partner mining, business negotiation, cooperation scheme confirmation, clause docking and contract signing. Efficiently coordinate internal product, technical and operation teams to resolve docking difficulties, ensure stable and long-term strategic cooperation landing, and accumulate high-quality local financial institution resources.
3. Head Chain Merchant Expansion & B-end Network Construction
Focus on the core markets of Karachi, Lahore and Islamabad, independently develop and expand local head chain merchants and large B-end enterprise clients (including supermarkets, catering, retail fashion and other high-quality merchant resources such as Metro, Zara, McDonald’s). Explore diversified application scenarios of payment acquiring and credit payment, continuously enrich the company’s offline merchant service network, improve local market coverage and business penetration, and realize continuous growth of merchant scale and transaction volume.
4. Business Revenue Operation & Performance Management
Responsible for the overall revenue growth and performance output of local payment business, focus on MDR sharing revenue brought by merchant acquiring business. Track daily business transaction data and merchant operation status, regularly sort out business development progress and problems, and put forward optimization suggestions. Cooperate with relevant teams to ensure compliant and stable business operation in line with SBP regulatory requirements.
5. Local Industry Resource Precipitation & Brand Promotion
Give full play to local market advantages, continuously expand industry contacts and resource channels in banking, payment and merchant fields. Rely on the background of China’s overseas listed group, promote the company’s innovative financial payment business model, and build a good brand reputation in the local Pakistani fintech market.
Requirements
1. Work Experience
5+ years of formal working experience in Pakistan’s local banking, payment aggregation, merchant acquiring or fintech business development. Has mature B-end institutional cooperation and merchant expansion experience, with independent BD negotiation and project landing capabilities.
2. Industry Background
Prior working experience in local mainstream banks, top payment institutions (payment aggregators, EMI wallets) and fintech companies is highly preferred. Familiar with the internal operation process, cooperation mechanism and profit model of Pakistan’s payment industry, with a clear understanding of local SBP financial regulatory policies.
3. Location & Identity
Local Pakistani candidate only. Open to candidates based in Islamabad, Lahore and Karachi, supporting long-term remote work; candidates with local stable industry resources and keen market insight are prioritized.
4. Core Competencies
- Familiar with Pakistan’s local payment industry rules, merchant acquiring business logic and financial compliance requirements
- Proven successful track record of institutional cooperation negotiation, large chain merchant development and business project landing
- Own stable local core resources: familiar with local bank decision-making chains, payment institution partners and head chain merchant channels
- Excellent market development, business negotiation, objection handling and resource integration capabilities
- Strong business sense, independent business planning ability and pressure resistance, able to independently complete BD closed-loop from clue mining to revenue realization
- Fluent in English and Urdu, proficient in local business communication and cross-department collaborative docking
Preferred Qualifications
- Candidates with successful cases of local large chain merchant batch onboarding, cross-institutional payment strategic cooperation and MDR revenue project landing are highly preferred
- Candidates with existing cooperative resources of local head payment aggregators, banks and large B-end merchants are prioritized
- Has in-depth insight into Pakistan’s innovative payment and credit payment business scenarios, with practical business layout experience