# Payments Manager at ADNOC

ADNOC is hiring a Payments Manager in Abu Dhabi, United Arab Emirates. Level rates it Little AI ●○○○; you can [apply on ADNOC](https://jobsbylevel.com/go/cb46ec61-70a5-4ccc-95e3-32a92299de24?utm_medium=ai-agent).

AI Level 1, AI centrality 0 out of 100. Abu Dhabi, United Arab Emirates.

## Details

- Company: [ADNOC](https://jobsbylevel.com/companies/adnoc)
- AI level: AI Level 1 (score 0 out of 100)
- Location: Abu Dhabi, United Arab Emirates
- Posted: November 4, 2026
- Apply: https://jobsbylevel.com/go/cb46ec61-70a5-4ccc-95e3-32a92299de24?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=payments-manager-at-adnoc-b45597

## Prepare for this job

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## Description

JOB PURPOSE The Payments Manager leads ADNOC Distribution’s payments agenda across all customer touchpoints, with accountability for defining the payments roadmap, governing delivery with internal stakeholders, and managing strategic partnerships with schemes, banks, and payment service providers. The role ensures a secure, compliant, and frictionless payment experience that supports growth in digital penetration, customer satisfaction, and revenue contribution. The position also owns the end-to-end design, launch, and performance management and P&L ownership of the various financial products such as co-brand bank card, remittances, open loop Wallet etc , and drives continuous improvement through technology, commercial optimisation, and process re-engineering. KEY ACCOUNTABILITIES Payment Experiences Define and maintain the payments roadmap (in-store, app, web, B2B where applicable), prioritising initiatives that improve conversion, speed, reliability, and customer experience while aligning with ADNOC Distribution strategy. Sponsor business cases with Digital/IT and Finance for new payment capabilities (e.g., new tenders, tokenisation, instalments, pay-by-link, fleet/B2B enhancements), including benefits, costs, risks, and implementation approach. Lead governance with schemes, issuing/acquiring partners, and internal stakeholders to optimise authorisation rates, manage chargebacks and disputes, and continuously improve operational performance (SLAs, uptime, incident resolution) and commercial terms. Drive delivery with payment acquirers/service providers and Digital/IT teams to ensure secure implementation, effective testing, and timely resolution of technical issues, ensuring compliance with relevant security and regulatory requirements. Monitor market trends, regulatory changes, and emerging payment technologies; translate insights into actionable enhancements and measurable improvements in digital payment penetration, NPS, and cost-to-serve. Explore and evaluate new payment methods / currencies such as AANI, Crypto currency, Stable coins and devise business case, roadmap for acceptance of these new payment initiatives / currencies. Co-Brand Bank card Own the end-to-end co-brand card proposition across targeted segments and geographies, including product design, go-to-market, lifecycle management, and performance governance. Negotiate and structure co-brand agreements (commercials, servicing model, data, marketing rights, SLAs, governance) in partnership with Legal, Finance, Compliance, and Procurement. Define and refine the co-brand value proposition (pricing, rewards, benefits, tiers) to ensure competitive differentiation and strong unit economics. Lead cross-functional working groups to design card features, customer journeys, servicing processes, and communications, ensuring readiness across channels and customer support. Establish market and performance intelligence (customer behaviour, portfolio cohorts, competitor benchmarking) to inform product iteration and growth levers. Develop and execute acquisition and spend-growth strategies with Marketing and partner banks to achieve issuance, activation, and portfolio spend targets. Own co-brand financial performance (revenue, costs, marketing budget) and portfolio KPIs; lead monthly performance reviews and corrective actions with internal stakeholders and partners. Relationships and Commercial focus Build and maintain executive-level relationships with payment schemes, integrators, acquirers, and banking partners to secure strategic support, innovation access, and improved commercials. Lead negotiation and ongoing management of payment fees and incentives across schemes, acquirers, and integrators; track savings and revenue uplift versus targets. Develop joint business plans and promotional calendars with financial institutions to drive retail sales, digital payment adoption, and portfolio spend, ensuring clear ROI measurement. Partner with banks to create targeted offers,

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