SME Digital Payments & Partnerships Manager

We are looking for an experienced SME Digital Payments & Partnerships Manager to support the launch and growth of digital payment solutions for businesses in Saudi Arabia.This role sits at the intersection of digital banking, fintech partnerships and payments product delivery. You will work closely with financial institutions, payment processors, fintech partners and internal teams to develop commercial propositions, coordinate implementations and bring new digital payment capabilities to market.The primary focus will be on expense management solutions, virtual card issuance and card controls, with additional opportunities across embedded finance, Banking-as-a-Service (BaaS), Pay by Link, Buy Now Pay Later (BNPL) and multicurrency solutions.This is a hands-on role combining proposition development, pre-sales support, commercial coordination, implementation management and ongoing partner relationship management.Key ResponsibilitiesDevelop digital payment propositions tailored to the needs of SME and business banking customers.Engage prospective customers and partners to understand requirements and recommend suitable payment and expense management solutions.Prepare business cases, commercial proposals, financial assessments and presentations to support new opportunities.Build and manage relationships with fintechs, card issuers, payment processors, banks and other ecosystem partners.Evaluate potential partners based on commercial viability, technical capabilities, integration requirements and operating models.Coordinate due diligence, commercial negotiations, contractual processes and internal approvals.Translate agreed propositions into business requirements, implementation plans and operational workflows.Work with Product, Technology, Operations, Risk, Compliance, Finance and Legal teams to coordinate integration, testing and go-live activities.Track project milestones, dependencies, risks and issues to ensure successful delivery and launch readiness.Support partner onboarding, post-launch stabilization, service governance and issue resolution.Monitor solution adoption, usage and partner performance, identifying opportunities to improve customer experience and commercial outcomes.Assess alternative processor-led delivery models where appropriate, ensuring alignment with applicable Saudi regulatory requirements and internal governance.Requirements5–8 years of relevant experience in digital payments, SME/business banking, fintech partnerships, commercial cards, card issuing or payment processing.Practical experience with virtual card issuance, expense management platforms and card controls.Understanding of SME banking, digital payments and embedded finance/BaaS operating models.Familiarity with the roles of issuers, processors and fintech providers, including onboarding, integrations, servicing and commercial arrangements.Experience supporting solutions from initial discovery and pre-sales through implementation and launch.Strong commercial acumen, business-case development, stakeholder management and execution capabilities.Knowledge of the Saudi banking, fintech and SME ecosystem.Professional fluency in both Arabic and English.Ability to work on-site in Riyadh, Saudi Arabia.Familiarity with SAMA-related regulatory requirements and approval processes is an advantage.