Merchant Growth & Onboarding Transformation Consultant

E-Solutions; Riyadh; On-site; SAR 260,000 - 520,000; Full time

Job summary

E-Solutions is seeking a Consultant for Cards Acquiring & Merchant Business Transformation in Riyadh. The role focuses on growing revenue, optimizing merchant onboarding, and enhancing servicing, settlements, and compliance across the acquiring ecosystem.

The ideal candidate has 5+ years in Payments/FinTech, with hands-on experience in onboarding, underwriting, risk, settlements, and process improvement. You will lead automation initiatives and KPI-driven governance to boost efficiency and

Qualifications

• Deep understanding of Cards Acquiring Operations and Merchant Lifecycle Management.
• Merchant onboarding, KYC, underwriting, and risk management expertise.
• Merchant servicing and settlement operations knowledge.
• Reconciliation, payments, chargebacks, and dispute management experience.
• Business process re-engineering and operational transformation.

Responsibilities

• Identify revenue opportunities through value-added services, payments, and merchant partnerships.
• Analyze merchant portfolio performance and recommend growth initiatives.
• Support market expansion and merchant penetration strategies.
• Streamline merchant onboarding processes to reduce turnaround time.
• Optimize KYC, risk assessment, underwriting, and compliance controls.
• Coordinate POS, payment gateway, QR, and e-commerce integrations.
• Improve first-time-right onboarding and activation rates.
• Review and redesign onboarding workflows for efficiency and scalability.
• Enhance automation opportunities across merchant setup activities.
• Improve SLA adherence and customer experience during implementation.
• Standardize operating procedures and governance controls.
• Lead initiatives to improve merchant support and service quality.
• Establish service metrics, dashboards, and governance.
• Reduce merchant complaints and escalations.
• Enhance relationship management for key merchants.
• Assess settlement processes and identify opportunities for optimization.
• Improve reconciliation controls across acquiring, merchant settlement, and financial accounting.
• Minimize settlement delays and financial leakage.
• Strengthen regulatory compliance and controls.
• Conduct process assessments across People, Process, Technology, and Risk.
• Deliver automation and digitization initiatives.
• Define KPIs, MIS, and executive dashboards.
• Lead continuous improvement programs for efficiency and cost reduction.

Skills

Cards acquiring operations

Merchant lifecycle management

KYC & underwriting

Risk management

Reconciliation & settlements

Data analytics & dashboards

Stakeholder management

Process improvement

Consulting skills

Job description

E-Solutions is seeking a Consultant for Cards Acquiring & Merchant Business Transformation in Riyadh. The role focuses on growing revenue, optimizing merchant onboarding, and enhancing servicing, settlements, and compliance across the acquiring ecosystem.

The ideal candidate has 5+ years in Payments/FinTech, with hands-on experience in onboarding, underwriting, risk, settlements, and process improvement. You will lead automation initiatives and KPI-driven governance to boost efficiency and