Job Overview
Lead Financial Processing Plant Supervisor – Merchant & Settlement Operations
Location: Riyadh, Saudi Arabia
Employment Type: Full-Time
Industry: Fintech | Merchant Processing | Settlement Operations | Payment Infrastructure | Financial Operations
Role Overview
A major fintech transformation initiative in Riyadh is recruiting a highly experienced Lead Financial Processing Plant Supervisor – Merchant & Settlement Operations to supervise one of the Kingdom’s most critical financial transaction processing environments.
This role focuses on the operational core where merchant onboarding, settlement execution, transaction clearing, payout scheduling, chargeback handling, and payment exception management are processed with institutional discipline and regulatory precision.
The successful candidate will lead frontline and supervisory teams across merchant financial operations while ensuring service reliability, financial control integrity, and operational excellence across the institution’s processing center.
This is a role for a disciplined operator who can combine process rigor, financial governance, and fintech execution at scale.
Core Responsibilities
- Supervise daily operations across merchant settlements, payment clearing, reconciliation workflows, and financial exception handling
- Manage payment batch execution, settlement timelines, merchant payout scheduling, and transaction verification controls
- Ensure operational accuracy across refunds, reversals, chargebacks, dispute handling, and merchant account adjustments
- Strengthen governance across transaction approvals, financial authorization layers, and operational segregation of duties
- Coordinate with acquiring partners, payment schemes, banking institutions, and treasury teams for seamless transaction completion
- Monitor operational productivity across settlement queues, reconciliation breaks, unresolved exceptions, and processing delays
- Support compliance alignment with Saudi financial regulations, customer fund protection standards, and AML obligations
- Lead workforce supervision across operational analysts, settlement officers, reconciliation teams, and merchant support units
- Identify operational bottlenecks and drive workflow optimization across the financial processing plant
- Improve reporting visibility for senior leadership through operational dashboards and financial control reporting
- Support audit readiness, control testing, and regulator-facing operational reviews
- Strengthen incident escalation processes and business continuity readiness across the operations environment
Required Candidate Profile
- Degree in Finance, Accounting, Business Administration, Banking Operations, or related discipline
- 5+ years of experience in fintech operations, settlement processing, merchant acquiring, or transaction supervision
- Strong knowledge of merchant settlement cycles and payment transaction workflows
- Experience with reconciliation systems, operational controls, and financial exception management
- Familiarity with POS ecosystems, payment gateways, and merchant servicing environments
- Strong understanding of compliance expectations in regulated financial operations
- Ability to manage teams within high-volume, deadline-driven processing environments
- Strong analytical mindset with operational reporting experience
- Saudi fintech market exposure highly desirable
Preferred Advantage
- Previous experience within digital payments or acquiring institutions
- Exposure to instant payment systems and real-time merchant settlement models
- Familiarity with automation tools for financial operations monitoring
- Knowledge of merchant dispute resolution platforms
Benefits Package
- Attractive leadership salary structure
- Performance-based operational incentives
- Housing support package
- Healthcare and family benefits
- Annual travel allowance
- Professional development and internal leadership growth
- Strategic visibility across major fintech transformation programs
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