Job Description

• Own the ongoing tracking of costs across ACE's full payments partner stack card acquirers, APM providers, FX counterparties, open banking rails, and banking partners. As well as scheme fees and Interchange fees understanding.
• Monitor pricing against contracted rates and flag discrepancies, unexpected charges, or tier threshold opportunities. Coordinate with Finance.
• Build and maintain benchmarking models that compare ACE's commercial terms against market rates across each partner category.
• Produce regular cost summaries by corridor, partner, and product line for the Senior Commercial Manager and Head of PBI.

• Analyse acceptance rate (AR) data across all active payment partners to identify performance gaps and specifically quantify revenue impact
• Track downtime incidents, routing failures, and decline rate anomalies translating them into financial impact for commercial escalation
• Identify patterns in leakage by corridor, partner, payment method, and time period to support root cause analysis
• Feed leakage findings to the Senior Commercial Manager with clear commercial implications and recommended actions

• Build the evidence base for renegotiation mandates pulling together volume data, cost trends, AR performance, and benchmarking to support the Senior Commercial Manager's negotiation positions
• Prepare clear, structured pre-negotiation packs that give the Senior Commercial Manager everything needed to go into a commercial conversation with confidence
• Track outcomes of renegotiations capturing before/after rates, annualised savings, and contract terms for the commercial record

• Build financial models for prospective new partners including cost of acceptance, projected volume ramp, margin impact, and break-even timelines
• Scenario model alternative commercial structures (flat fee vs blended rate, volume tiers, exclusivity arrangements) to inform negotiation strategy
• Maintain a comparable partner database tracking terms, pricing structures, and performance across ACE's existing and prospective partner universe

• Define the commercial metrics and KPIs that need to be visualised across the PBI function cost of payments by corridor, acquirer, APM, FX partner, and product line
• Scope dashboard requirements clearly and in sufficient detail for ACE's BI team to build without ambiguity including data sources, calculation logic, filters, and refresh frequency
• Act as the commercial QA layer on all BI output validating that dashboards accurately reflect the underlying commercial data before they are shared with senior leadership
• Iterate and evolve the dashboard suite as the business grows, new partners are added, and new corridors go live
• Use dashboard outputs as the primary source for weekly and monthly commercial insight reports to the Senior Commercial Manager and Head of PBI

• Produce weekly commercial performance summaries covering cost trends, AR performance, and leakage for the Senior Commercial Manager
• Contribute data and analysis to the monthly CEO Brief commercial sections and quarterly scorecard
• Maintain the renegotiation pipeline tracker and new partner pipeline with accurate, up-to-date commercial data

• 2–4 years of experience in a commercial analysis, financial analysis, or payment’s operations role
• Strong Excel and/or Google Sheets modelling skills — comfortable building cost models, scenario analysis, and financial summaries from scratch
• Ability to work with large datasets, identify patterns, and translate findings into clear commercial insights
• Understanding of payment economics — card acceptance costs, FX spreads, APM pricing structures, or open banking fees
• Experience producing structured BI reports and dashboards for senior stakeholders
• Clear written communication — able to present complex data in simple, decision-ready formats
• High attention to detail with a commercial mindset — you care about what the numbers mean, not just what they say