Commercial Card Sales Lead

PayTech Group; Riyadh; On-site; SAR 220,000 - 320,000; Full time

Job summary

PayTech Group is seeking a Commercial Cards Sales Manager/Relationship Manager in Saudi Arabia with travel for business meetings. The role focuses on acquiring and managing a portfolio of corporate credit card customers, driving revenue, and collaborating with Corporate Banking/Business Banking teams.

12-month term with clear ownership of the corporate card lifecycle. You will lead end-to-end processes from prospecting to onboarding, activation, and ongoing usage growth, targeting corporates,

Qualifications

• 4–6 years of experience in corporate banking, corporate payments, or corporate cards sales.
• Proven track record selling corporate credit cards to corporates, entrepreneurs, and small business owners.
• Strong understanding of corporate customer needs and card-based value propositions.
• Bachelor's degree in Business, Finance, Economics, or a related field.

Responsibilities

• Drive new corporate credit card acquisition through proactive prospecting, referrals, pipeline management, and targeted market outreach.
• Identify corporate customer needs and position appropriate corporate credit card propositions.
• Meet and exceed sales targets and KPIs related to portfolio growth, activation, spend utilization, and revolving/instalment balances.
• Own end-to-end sales and relationship management for corporate credit card customers, including acquisition, onboarding support, activation and post-sales usage growth.

Skills

Sales skills

Relationship management

Negotiation

English & Arabic

Education

Bachelor's degree in Business/Finance/Economics

Tools

CRM

Job description

• Job Title: Commercial Cards Sales Manager/ Relationship Manager


• Term: 12 months


• Location: KSA/Jeddah with ability to Travel for Business meetings


• Division: Payments


• Reports to: Head of Sales- Cards

Relevant experience

• 4–6 years of experience in Corporate banking, Corporate payments, or retail/Corporate cards sales within banking, financial services, fintech, or payments


• Proven track record selling Corporate credit cards (business credit cards) to Corporates, entrepreneurs, and small?business owners through acquisition and portfolio growth


• Strong understanding of Corporate customer needs (cashflow, working capital, expense management), credit fundamentals, and card-based value propositions


• Bachelor's degree in Business, Finance, Economics, or a related field

Mandatory requirements

• Drive new Corporate credit card acquisition through proactive prospecting, referrals, pipeline management, and targeted market / segment outreach


• Identify Corporate customer needs and position appropriate Corporate credit card propositions (rewards, cash-back, expense controls, limits, instalment features, digital onboarding)


• Meet and exceed sales targets and KPIs related to portfolio growth, activation, spend utilization, and revolving/instalment balances (where applicable)


• Build and maintain a healthy Corporate cards pipeline, tracking leads from origination through approval, onboarding, and activation


• Own end-to-end sales and relationship management for Corporate credit card customers, including acquisition, onboarding support, activation and post-sales usage growth

Purpose of Job

This role combines sales and relationship management responsibilities across the full Corporate credit card lifecycle: customer acquisition, onboarding support, activation, and ongoing portfolio growth. The role acts as an Corporate Cards specialist that complements Corporate Banking / Business Banking teams, while maintaining clear ownership boundaries with Relationship Managers for the overall Corporate relationship.

The Corporate Cards Sales Manager is responsible for acquiring, managing, and growing a portfolio of Corporate customers for Corporate credit card solutions. The role focuses on driving revenue through new customer acquisition, deepening existing Corporate relationships, and increasing active card usage and spend across relevant Corporate categories, supported by digital tools, reporting, and value-added services.

Task

Product & Solution Selling

• Promote and sell Corporate credit card solutions and associated value-added services to eligible Corporate customers and entrepreneurs


• Clearly articulate Corporate card value proposition, pricing, limits, repayment options, benefits, and eligibility requirements aligned to Corporate needs


• Support customers through application, documentation, approvals coordination, onboarding, and activation of cardholders

Internal Coordination & Governance

• Work closely with internal teams (credit, risk, operations, product, onboarding) to ensure smooth deal execution and turnaround times


• Ensure compliance with internal policies, regulatory requirements, and KYC/AML standards for Corporate onboarding


• Maintain accurate and timely updates in CRM and sales tracking system

Market & Portfolio Development

• Stay informed on Corporate market trends, competitor Corporate card offerings, and small-business customer needs to refine targeting and sales approach


• Identify portfolio growth levers (spend campaigns, onboarding journeys, activation calls, cross-sell into additional cardholders / supplementary cards)


• Provide structured feedback to product and management teams to support continuous improvement

Key Performance Indicators (KPIs)

• New Corporate credit card customers acquire


• Approved-to-booked conversion rate and onboarding turnaround time


• Activation rate (cards activated / cards issued) and active spend volume


• Portfolio health: retention, reactivation, delinquency quality (as applicable), and growth in active accounts

Skills & Competencies

• Arabic & English Speaker


• Strong sales, negotiation, and closing skills with Corporates


• Excellent relationship-building and stakeholder management capabilities


• Commercial mindset with the ability to identify and convert Corporate opportunities


• Strong communication skills with the ability to present Corporate card value and simple business cases to business owners


• Self-motivated, results-driven, and comfortable working in a target-oriented environment

Preferred Background

• Experience in a local or regional bank, fintech, card issuer/acquirer, or payments organization


• Prior exposure to Corporate cards, retail/Corporate lending concepts, underwriting basics, and Corporate onboarding/KYC processes