Portfolio Lead B2C Financial Services

Tabby |

Key Responsibilities

Product Operations

• Manage end-to-end processing of remittance transactions, including validation, currency conversion, and settlement via MTO rails.
• Liaise with banking partners and liquidity providers to maintain adequate funds for efficient transaction execution in remittances.
• Perform reconciliations with MTO rails, resolving discrepancies or failed transactions within defined SLAs.
• Track FX rates and partner with treasury teams to mitigate FX losses in cross-border remittances.
• Oversee accounting workflows and generate partner-level reports for remittances.
• Work collaboratively with support teams to resolve transaction inquiries, disputes, and issues promptly.
• Offer operational insights to enhance customer experience and streamline resolution processes for remittances.
• Own key KPIs and implement enhancements to boost efficiency.

Partner Management

• Cultivate and sustain relationships with MTOs, banks, and financial partners to negotiate favorable terms and ensure reliable remittance services.
• Identify and secure commercial agreements with new remittance rail providers to optimize corridors as required.

Portfolio & P&L Performance

• Oversee remittance portfolio health, focusing on revenue growth, cost optimization, and ECL monitoring in collaboration with the risk team.
• Support currency portfolio management by analyzing market conditions and optimizing holdings for remittances.
• Contribute to competitive pricing and fee structures that attract customers while preserving profitability.
• Own the P&L for remittances, managing cost and revenue lines, attribution margins, and net performance.
• Refine pricing strategies to deliver a market-leading remittance offering.
• Collaborate with the Consumer Financing Portfolio Manager to enable Send-Now-Pay-Later features via the Tabby Cross-Border Remittance platform.
• Prepare monthly SteerCo updates with detailed P&L reports and portfolio strategies for remittances.
• Assist in financial planning and investor reporting as necessary.

Regulatory Compliance & Licensing

• Lead compliance efforts for remittances, including obtaining licenses and NOCs in target markets.
• Secure approvals from regional Central Banks for remittance operations.
• Obtain NOCs for emerging MTO partners across regions.
• Partner with legal, compliance, and product teams for timely regulatory submissions and preparedness.
• Implement regulatory mandates for remittance products in collaboration with product teams.

Skills, Knowledge & Expertise

• Proven experience (4-6 years) in cross-border remittances is mandatory.
• Prior management of e-money wallet portfolios, consumer financing, or similar fintech products, preferably in the GCC.
• Strong understanding of financial operations, P&L management, and regulatory landscapes in payments and remittances.
• Excellent analytical skills with the ability to monitor KPIs, optimize processes, and drive profitability.
• Demonstrated success in partner management and commercial negotiations.
• Exceptional communication and collaboration skills to work across teams.