Manager, FinTech Commercial

About the role

The Manager, FinTech Commercial position at Agoda places you at the critical intersection of finance and technology. The FinTech Commercial team serves as the primary conduit between external payment partners and Agoda's internal finance operations. In this role, you will manage the commercial strategy for both consumer and business payment pillars, driving optimization and fostering innovation across the global platform. You will translate complex financial data into compelling narratives that justify strategic investments and partnerships. This involves owning the commercial health of payment verticals by monitoring key performance indicators and identifying actionable areas for margin enhancement. Success in this position requires acting as a bridge between technical solutioning and commercial viability, ensuring that all payment strategies align precisely with broader corporate financial objectives. The role demands a proactive stance in uncovering value creation opportunities within the payment stack, continuously challenging existing assumptions to improve the efficiency and profitability of payment flows. You will be instrumental in shaping the financial narrative of Agoda's payment infrastructure, ensuring that payment methods are not only efficient but also commercially sustainable.

Key facts

What you'll do

• Investigate payment method performance and associated costs to reveal optimization potential.
• Interact with Product and FinTech solution teams to define roadmaps and prioritize strategic initiatives.
• Construct business cases for partnership opportunities to generate revenue or reduce operational expenditures.
• Function as the internal authority on Pay-in topics and articulate payment deal economics to diverse stakeholders.
• Synthesize complex financial datasets to evaluate the viability of new payment instruments.
• Facilitate workshops with cross-functional stakeholders to gather requirements and validate hypotheses.
• Monitor the execution of payment strategies and adjust tactics based on real-time performance feedback.
• Evaluate risk profiles of potential partners to ensure alignment with Agoda's commercial standards.
• Translate technical jargon into business language that resonates with finance and commercial teams.
• Track the profitability of payment routes and recommend adjustments to maximize net revenue.
• Assess the competitive landscape to identify benchmarking opportunities and best practices.
• Lead negotiations with payment providers by analyzing fee structures and cost implications.
• Develop forecasting models to predict the financial impact of proposed payment changes.
• Document processes and decisions to maintain institutional knowledge and ensure scalability.
• Conduct scenario analysis to understand the financial implications of various payment routing decisions.
• Collaborate with Finance to reconcile payment settlements and resolve discrepancies.
• Provide insights into customer payment behavior to influence product development priorities.
• Ensure compliance with financial controls and regulatory requirements related to payment processing.
• Mentor junior team members on commercial best practices within the payment domain.

Requirements

• Hold a minimum of 4 years and a maximum of 8 years of professional experience in Analytics, Consulting, Strategy, Operations, or Data Science.
• Accumulate at least 2 years of direct experience in the payments or FinTech sector, with merchant-side exposure being a distinct advantage.
• Possess a Bachelor degree as a mandatory qualification; an MBA or a master degree in business, finance, or management is preferred.
• Demonstrate advanced proficiency in SQL for data extraction and manipulation tasks.
• Exhibit expertise in creating dashboards to visualize data analysis and track key metrics.
• Maintain a proven history of executing data-driven strategies that successfully improved margins or revenue.
• Show the capability to present complex proposals clearly to internal teams and external partners.
• Ensure fluency in English for all written and verbal communication requirements.
• Possess strong analytical and problem-solving skills with a keen attention to detail.
• Demonstrate the ability to thrive in a fast-paced, dynamic environment.
• Show strong ownership and accountability for delivering results against commercial objectives.

Skills & tools

• SQL
• Data analytics
• Business case modeling
• Payment ecosystem knowledge

Practical notes

Review the Agoda hiring process guidelines at careersatagoda.com/interview before applying. Agoda is an equal opportunity employer that evaluates candidates based on merit and qualifications. Unsolicited agency submissions are not accepted.