Card Issuing Analytics Advisor

Nicfurniture; Dubai; On-site; AED 350,000 - 550,000; Full time

Job summary

Network International is seeking an Advisory professional to partner with banks and issuers to design, launch, optimize, and scale card issuing and consumer financing propositions. You will bring payments domain expertise, data-driven insights, and commercial advisory to improve profitability, acquisition, and performance across credit, debit, prepaid, EPP, and BNPL solutions.

The role covers end-to-end advisory engagements from new program launches to diagnostics, revenue and cost optimization,

Qualifications

• 3 to 5 years experience in a similar role.
• Strong understanding of card issuing and merchant acquiring economics.
• Proficiency in data analysis and coding, with Python, R and SQL.
• Hands-on experience with acquiring transaction data, merchant hierarchies, MIDs, MCCs, and BI tools such as Power BI.

Responsibilities

• Support go-to-market (GTM) strategy and readiness assessments for new and existing card issuers and acquirers, including product proposition, underwriting alignment, merchant segmentation, pricing, acceptance strategy, and launch planning.
• Conduct issuer and merchant acquiring portfolio diagnostics and financial analysis covering interchange, merchant service charges, scheme fees, non-compliance fees, EPP economics, acquiring margins, and portfolio P&L optimization.
• Lead and contribute to revenue assurance, pricing optimization, and scheme cost optimization initiatives for issuing banks and merchant acquirers.
• Support design and rollout of value-added issuing solutions such as EPP 2.0, BNPL, installment products, and card-linked financing.
• Work with data and product teams on analytics and AI-led advisory use cases, including card recommendation engines, issuer and merchant scorecards, and performance dashboards.
• Analyze merchant acquiring performance across total payment volume (TPV), transaction value and count, active merchant and terminal base, average ticket value, merchant service charge yield, net revenue, scheme and processing costs, and profitability.
• Develop merchant lifecycle and portfolio analytics covering merchant acquisition, activation, retention, churn, reactivation, like-to-like growth, share of wallet, and cohort performance.
• Segment acquiring portfolios by merchant, MID, MCC, industry cluster, merchant size, geography, channel (POS/e-commerce), card origin, card product, and scheme to identify growth opportunities and performance gaps.
• Assess merchant concentration, seasonality, refund and reversal patterns, approval and decline rates, cross-border activity, and unusual performance movements to support commercial, operational, and risk decisions.
• Translate acquiring analytics into actionable merchant strategies, including pricing, sales targeting, portfolio interventions, acceptance expansion, and value-added service opportunities.
• Develop client-facing materials (business cases, proposals, whitepapers, and presentations) to support advisory engagements and sales motions.
• Coordinate with internal stakeholders (Sales, Product, Technology, Data, Schemes) to ensure successful execution and delivery of advisory outcomes.
• Track KPIs, financial impact, and post-launch performance to demonstrate measurable value delivered to issuers and acquirers.

Skills

Python

R

SQL

Data analysis

Card issuing

Merchant acquiring economics

Tools

Power BI

Python

R

SQL

Job description

Network International is seeking an Advisory professional to partner with banks and issuers to design, launch, optimize, and scale card issuing and consumer financing propositions. You will bring payments domain expertise, data-driven insights, and commercial advisory to improve profitability, acquisition, and performance across credit, debit, prepaid, EPP, and BNPL solutions.

The role covers end-to-end advisory engagements from new program launches to diagnostics, revenue and cost optimization,