Commercial Manager

ACE.SG (Action Community for Entrepreneurship)

. Work directly with the Head of PBI to develop the annual commercial plan and contribute to the 3-year payments infrastructure roadmap .

Posted 6/9/2026full-timeRemote • 🇬🇧 United KingdomMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

Ruby on Rails

About the role

Key responsibilities & impact

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
Ensure all new commercial arrangements protect ACE's margins.
Own the renegotiation pipeline for existing partners — tracking contract renewal dates, rate review windows, and volume-based tier unlock opportunities
Use analyst-supplied data on FX costs, acquirer pricing, AR trends, and revenue leakage to build renegotiation mandates and target rate improvements
Present renegotiation outcomes and savings to the Head of PBI with clear before/after commercial analysis
Attend Quarterly Business Reviews and major partner strategy sessions alongside the Head of PBI
Manage and direct the Commercial Analyst — setting priorities, reviewing outputs, and ensuring data quality underpins all commercial decisions

Requirements

What you’ll need

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

Comp & perks

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)

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Hard Skills & Tools

commercial negotiationspayment economicsMDR structuresinterchangescheme feesFX spreadsopen banking pricingbusiness casescost modellingbreak-even analysis

Soft Skills

excellent written communicationexcellent verbal communicationorganisational skillsability to manage multiple taskscross-functional collaborationproblem-solvinganalytical thinkingpresentation skillsleadershipdata quality management