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Manager - SME Acquiring

Emaratech

This role builds noqodi's SME acquiring business, Business-in-a-Box, and owns its P&L. The Manager leads a team of 10–11 Sales Executives and the Outsourced Sales Partners channel to sign, onboard and grow micro and small merchants across the UAE.

Responsibilities

  • The Manager also rebuilds how SME merchants are onboarded, so a signed merchant is live within days rather than weeks. They are noqodi's eyes on the SME market: they feed competitor moves, pricing and market trends back to the Manager – Acquiring Business and the Director – Commercials

1\. P&L and targets

  • Own the SME acquiring P&L: merchants signed and live, TPV, revenue, cost of sale and contribution after team cost.
  • Set monthly targets by Sales Executive and by Outsourced Sales Partner, and track delivery weekly.
  • Prepare the SME budget and forecast with Finance and Business Intelligence, and explain variances.
  • Grow revenue per merchant by cross-selling the full bundle: POS, SoftPOS, online checkout, Pay by Link, business wallet, WPS payroll and cards.

2\. Sales team leadership

  • Lead, coach and manage 10–11 Sales Executives: territories, daily activity, pipeline reviews and performance management.
  • Recruit and onboard new Sales Executives in line with the hiring plan, and keep the team at full productivity.
  • Build a sales playbook: target segments, prospect lists, pitch, objection handling and the conversion from noqodi's existing government-fee payers.
  • Run sales campaigns through free zones, typing centres, business centres, accountants and associations.

3\. Incentive policy

  • Design the sales incentive plan for the SME team, and for Outsourced Sales Partners, with HR and Finance, for approval by the Director – Commercials.
  • Link incentives to merchants live and transacting, TPV and revenue, not only merchants signed.
  • Review the plan every year and track its cost against the revenue it drives.

4\. Outsourced Sales Partners

  • Select, onboard and manage Outsourced Sales Partners: contracts, targets, commission terms and service levels.
  • Train partner staff on noqodi's products, pricing, KYB requirements and onboarding steps.
  • Track partner productivity and merchant quality monthly, and replace partners that miss targets.

5\. Merchant onboarding revamp

  • Map the current SME onboarding journey end to end, from application to first transaction, and remove delays.
  • Redesign the process with Operations, Risk and Compliance and Product: simpler KYB, digital applications, e-signatures, risk-based checks and automated MID and terminal setup.
  • Set and track an onboarding turnaround target, aiming for T+2 from complete application to live merchant.
  • Make sure faster onboarding stays within noqodi's risk, scheme and regulatory requirements.

6\. Merchant activation and retention

  • Make sure signed merchants start transacting quickly; track activation within 30 days of going live.
  • Monitor inactive and declining merchants, and run re-activation and retention actions.
  • Gather merchant feedback on products and service, and act on it with Product and Operations.

7\. Market and competitor intelligence

  • Track competitor offers, pricing and promotions in the SME market: banks, PSPs, fintechs and POS providers.
  • Share competitor and market feedback with the Manager – Acquiring Business every month, with Business Intelligence support.
  • Recommend changes to SME pricing, products and bundles based on what the market and the sales team see.
  • SME pricing: MDR, fixed fees, bundles and terminal economics.

Requirements

  • Bachelor's degree in Business, Finance, Engineering or a related field.
  • 8–12 years in SME or merchant acquiring sales with a bank, acquirer, PSP or fintech in the UAE.
  • At least 3 years leading a field sales team of 8 or more, with a track record of meeting merchant acquisition targets.
  • Experience managing third-party or outsourced sales agents, including their commission structures.
  • Has designed or run a sales incentive plan.
  • SME acquiring products: POS, SoftPOS, payment gateway, Pay by Link and QR.
  • Merchant onboarding requirements: KYB, documentation, risk checks, MCC and MID setup.
  • Adjacent SME services: business accounts and wallets, WPS payroll and business cards are an advantage.
  • Working knowledge of CRM and sales dashboards.
  • Strong sales leader: sets clear targets, coaches daily and holds the team to account.
  • Process thinker: sees where a journey slows down and fixes it with the teams that own it.
  • Builds strong relationships with partners, merchants and internal teams.
  • Commercial judgement: knows when a merchant and a deal make money.

Preferred

  • An MBA is an advantage.
  • Has improved an onboarding, sales or operations process with measurable results.
  • Fluent English; Arabic is an an advantage in the UAE SME market.

Manager - SME Acquiring

Emaratech · Dubai, United Arab Emirates · Full-time · Posted 2026-11-02

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