Job Purpose: Manage and develop the company's relationship with installment providers to ensure sales growth, smooth operations, compliance, and improved profitability of installment offers across all channels (store, e-commerce, mobile app). Responsibilities Key Responsibilities 1. Business and Contract Development • Research and select suitable installment providers, and manage negotiations on terms, commissions, and service level agreements. • Prepare and review agreements and addenda (fees, credit limits, return policy, disputes). • Develop a map of installment offers tailored to different seasons and customer segments (0% fees/seasonal installments/down payment). 2. Relationship and Partnership Management • Serve as a single point of contact for each provider, and conduct monthly/quarterly performance review meetings. • Lead joint marketing and sales plans (co-marketing) and define target shares/campaigns. 3. Operational and Technical Integration • Coordinating with the IT team to integrate APIs/SDKs/payment gateways and testing environments • Unifying the customer journey across POS and e-commerce platforms • Monitoring and managing downtime and errors with the provider and within the Service Level Agreement (SLA) 4. Governance, Compliance, and Risk • Ensuring that installment offers comply with internal policies and relevant regulatory requirements • Managing objections and disputes and establishing a clear escalation mechanism 5. Financial Reconciliations and Reconciliation • Monitoring daily/weekly settlement and collection schedules and reconciling transactions with sales orders • Reviewing discounts/commissions, administrative fees, and settlement variances, and addressing any discrepancies • Providing periodic financial reports on net income, revenue, and any outstanding amounts 6. Sales and Customer Service Empowerment • Train sales and customer service staff on available installment programs. • Monitor the customer experience from approval to delivery and after-sales support. 7. Marketing and Sales Growth • Monitor the implementation of installment campaigns (digital/in-store channels) and track their impact on sales. 8. Analytics and Dashboards • Build a dashboard showing: installment selection rate, approvals, rejections, cart value, conversion rate, and returns. • Analyze reasons for rejections and improve policies with providers (thresholds, evaluation criteria). 9. Documentation and Reporting • Prepare weekly/monthly reports for management: installment sales, profitability, risk indicators, and opportunities for improvement. Requirements Bachelor’s degree in Business Administration, Finance, Economics, or a related field (MBA is a plus). 3–5 years of experience in partnerships management, financial services, or payment solutions — preferably in retail or e-commerce sectors. Strong knowledge of installment programs , BNPL (Buy Now, Pay Later) solutions , and payment gateway integrations . Solid understanding of contract negotiation , financial reconciliation , and commission structures . Experience working with cross-functional teams (IT, Finance, Sales, Marketing, and Customer Service). Excellent analytical and problem-solving skills with high attention to detail. Strong communication and negotiation skills to manage and influence external partners. Proficiency in Excel , Power BI , or other analytics tools for building performance dashboards. Ability to manage multiple projects simultaneously and meet tight deadlines. Job Location: Riyadh