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

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

Commercial Manager – Payments

Key skills