Senior Officer - Business Intelligence

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 Wallet. 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: pricing, products, payment methods, Third Party Partners, onboarding time and service levels. • Track market/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: revenue, cost of sale, partner share and cost to serve. • Identify loss-making or low-margin clients and propose actions: 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 volumes, 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: 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 vs 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 1–2 analysts and set the standards for data definitions, report formats and model documentation.

Key responsibilities include: 1) Competitive benchmarking and market intelligence across UAE and region for acquiring, payment gateways, card issuance and wallets; tracking market trends, regulation, and new entrants; gathering customer needs from Sales and lost deals; publishing quarterly market and competitor updates. 2) Analytics, KPI tracking and reporting: building regular reports and dashboards, defining and tracking KPIs (TPV, transactions, revenue, take rate, margin, active/inactive merchants, active wallets and cards, pipeline conversion), profitability view per client/segment, identifying loss-making or low-margin clients and proposing actions, tracking impacts of initiatives, explaining variances against budget/forecast, supporting annual budget with volumes, revenue and margin drivers. 3) Pricing and deal support: maintaining rate cards and pricing models for acquiring/issuance/wallet, modeling deal economics before quotes, recommending price points and floors, preparing client propositions and business cases for strategic government and enterprise clients. 4) Team development: mentoring 1–2 analysts and setting standards for data definitions, report formats and model documentation.