Pricing & Margin Lead

ACE Money Transfer Limited; Kharian; On-site; PKR 4,000,000 - 6,000,000; Full time

Job summary

ACE Money Transfer Limited is seeking a commercially sharp Pricing & Margin Lead to manage corridor pricing, FX margins, fee structures and revenue performance across sending-to-payout corridors and products.

You will translate competitor movements and transaction data into pricing recommendations, ensure governance and four-eye controls, and collaborate with Treasury, Growth, Finance, Operations and Technology to protect margins while driving revenue growth.

Qualifications

• Bachelor’s degree in Finance, Economics, Accounting or related field.
• 3+ years in pricing, revenue management, FX, payments or financial services.
• Strong multi-currency pricing and data-driven decision making.
• Advanced Excel; Power BI/SQL or similar tools preferred.

Responsibilities

• Manage pricing, FX margins, charges and revenue across corridors and products.
• Recommend pricing changes based on performance, market conditions and targets.
• Identify corridor strategies: growth, revenue focus or balanced pricing.
• Monitor market and competitor rates to keep pricing competitive.
• Ensure governance, four-eye controls and accurate rate configuration.
• Support automation of rates, revenue analysis and pricing recommendations.
• Prepare regular pricing and margin reports for management.

Skills

Pricing

Revenue management

FX

Payments

Excel

Power BI

SQL

Analytics

Education

Bachelor's degree in Finance/Economics/Accounting

Tools

Power BI

SQL

Job description

About The Role

ACE Money Transfer is looking for a commercially sharp, analytical Pricing & Margin Lead to manage corridor pricing, FX margins, fee structures and revenue performance across our sending-to-payout corridors and products. Your job is to keep our pricing competitive for customers while protecting margins and supporting our revenue targets. You will turn competitor movements, corridor economics and transaction data into clear pricing recommendations, and make sure every change is properly approved, controlled and implemented accurately.

Pricing & Revenue Management

• Manage pricing, FX margins, charges, rebates and revenue performance across all active corridors and products
• Recommend pricing changes based on business performance, market conditions, competitor rates and approved revenue targets
• Identify which corridors need revenue-focused, growth-focused or balanced pricing strategies
• Find opportunities to increase revenue per transaction while keeping transaction growth sustainable

Competitor & Market Monitoring

• Monitor competitor rates and market movements to keep customer pricing competitive
• Work with Treasury to factor FX exposure, hedging costs, market rates and currency volatility into pricing decisions

Corridor Profitability & Analysis

• Review corridor profitability, including FX income, charges income, rebates, costs and total revenue
• Analyse transaction volumes, average transaction size, revenue per transaction and margin performance
• Track how pricing changes affect transaction volumes, competitiveness, FX income, charges income and total revenue

Pricing Governance & Controls

• Make sure every pricing change goes through the relevant governance and four-eye control process before it is implemented
• Keep an accurate record of approved pricing changes, including effective dates, rationale, approvals and expected impact
• Maintain pricing rules and configuration for each sending country, payout country, payout partner and product
• Help develop and maintain the pricing framework, pricing policy and approval matrix
• Make sure all pricing activity complies with internal policies, regulatory requirements and customer fairness standards

Promotions & Commercial Initiatives

• Work with Growth and Commercial teams to assess promotions, fee waivers and corridor campaigns before they launch
• Review the commercial impact of fee-free promotions and recommend whether to continue, change or close them

Implementation & Automation

• Work with Technology and Operations so that approved rates and charges are updated accurately in internal and external systems
• Support the automation of rates, revenue analysis, competitor monitoring and pricing recommendations

Reporting

• Prepare daily, weekly and monthly pricing and margin reports for management
• Report material margin reductions, competitor movements, revenue risks and pricing exceptions promptly

Qualifications & Experience

• Bachelor’s degree in Finance, Economics, Accounting, Business Administration or a related field
• 3+ years of relevant experience in pricing, revenue management, FX, payments, remittance or financial services
• Strong understanding of multi-currency pricing, FX margins, corridor economics and transaction-based revenue models
• Experience analysing competitor pricing, customer rates, costs and profitability
• Advanced Excel skills. Experience with Power BI, SQL or other reporting tools is preferred

Soft Skills & Leadership

• Analytical thinking: makes data-driven recommendations backed by clear evidence
• Commercial acumen: balances competitiveness, volume and margin to deliver revenue
• Control mindset: works within approved governance and four-eye controls
• Stakeholder management: works effectively with Treasury, Growth, Finance, Operations and Technology
• Communication: reports pricing insights and risks to management clearly and in good time
• Attention to detail: accurate in rate configuration, records and reporting
• Continuous improvement: drives automation and better pricing processes

Job Details

• Location: Lahore, Pakistan
• Job Type: Onsite
• Working Hours / Shift: 01:00 PM to 10:00 PM PKY

About ACE Money Transfer

ACE Money Transfer is a UK-based multinational fintech headquartered in Manchester, United Kingdom. We provide fast, secure and affordable online remittance services to customers in 29 countries across the UK, Europe, Canada and Australia, and we enable cross-border money transfers to 100+ countries worldwide. Every day, our platform helps people support their families, pay for education and build better futures across borders. As part of the wider ACE Group, we combine a fast-paced growth culture with strong regulatory standards and a commitment to innovation in digital payments. At ACE you will work with talented, diverse teams across multiple regions and take real ownership of work that matters. You will also help shape the future of global money movement. Learn more: ACE Money Transfer Company Profile