ACE Money Transfer

Facilitates international remittances via online platform

Head of Pricing & Margin

Business OperationsConfirmed live in the last 24 hours

Full-timeLahore, Punjab, PakistanNo salary listed

About the Job

Requirements

At least 8 years of experience in revenue management or pricing in a high-volume, transaction-driven business such as payments, remittances, fintech, foreign exchange, ride-hailing, online travel, or a comparable field.
At least 3 years in a dedicated pricing or revenue leadership role, including some experience in a regulated consumer market. Ten years is preferred, but capability matters more than tenure.
A track record of managing distinct regional or corridor-level economics across multiple geographies.
Demonstrable experience running governed pricing, such as maker-checker or equivalent controlled change, pricing committees, or regulated price-setting.
Working knowledge of the UK Consumer Duty or an equivalent conduct regime is essential.
Strong command of transaction economics, including foreign-exchange pricing, fee structures, incentive schemes, correspondent and scheme costs, and unit-level profitability.
Proven experience designing and scaling pricing experiments or controlled tests, with measured results.
Fluency in SQL against a data warehouse.
Comfort with Python or R, or experience directing analysts who use them.
Experience building or running business intelligence and analytics tooling rather than relying on a separate data team for answers.
A degree in a quantitative subject such as mathematics, statistics, economics, or data science.
Independent commercial judgment to arbitrate fairly between volume and margin and hold a position when supported by evidence.
Ability to influence the CEO, Finance, Growth, Compliance, and Technology, and handle competing priorities credibly.
Commercial acumen in unit economics and net revenue, linking pricing decisions to long-term value.
Structured problem-solving, working from hypotheses and evidence and navigating ambiguity and complex corridor dynamics.
A governance mindset grounded in control, transparency, documentation, and understanding their importance in regulated markets.
Experience leading teams that include managers and building a function from scratch.
Ability to explain pricing decisions to both a board and an engineering team.
Commitment to prices that are competitive, transparent, and fair to customers.

Responsibilities

Own revenue per transaction on the pricing side across all corridors, partners, and customer segments.
Manage corridor-level economics that vary by geography, including cost structure, local payment rails, and competitor landscapes in each market.
Optimize revenue streams within applicable scheme terms and flag any growing dependency on a single stream to Finance.
Treat every rate and fee change as one decision; no change presented to customers as an improvement may reduce what the beneficiary receives.
Own the group's pricing rulebook as versioned, controlled configuration, covering margin floors, tolerance bands, and campaign pricing controls.
Run pricing changes through maker-checker controls with clear approval authority and audit trails.
Set up and chair a monthly Pricing Governance Forum to review performance, exceptions, competitor movements, and proposed changes.
Govern promotional pricing end to end, from design and approval through launch, monitoring, measuring results, and closing campaigns.
Own ACE's competitor position, measured by what the customer actually receives through the rate and fee together rather than the headline rate alone.
Decide how to respond to competitor moves, including when to match, hold, or differentiate.
Feed daily pricing intelligence into group reporting so leadership has a clear, timely view of position and margin.
Act as business owner of the group's pricing and rate-automation platform, including its classification logic, approval controls, and roadmap.
Work with Product, Technology, and Data teams to turn pricing strategy into reliable, auditable system configuration.
Design and scale pricing experiments and controlled tests, and report measured outcomes rather than claimed ones.
Carry conduct accountability for pricing under the UK Consumer Duty, including fair price differentiation, alignment between prices and customer disclosures, and good customer outcomes.
Involve the Group MLRO and Compliance at the design stage of pricing changes, not after launch.
Keep pricing decisions documented, defensible, and ready for regulatory review.
Lead, coach, and develop Corridor Pricing Managers and the wider pricing operations and analytics team.
Build and scale the Pricing & Margin function, including its structure, capability, processes, tooling, and hiring.
Explain pricing to the board in commercial terms and work closely with the technical and product teams implementing it.
Deliver against a structured KPI framework covering commercial, operational, governance, and people outcomes, agreed with the Group CEO on appointment.

Desired Qualifications

Ten years of experience in pricing or revenue leadership is preferred.
A postgraduate qualification is desirable.

About the Role

ACE Money Transfer is creating a new Head of Pricing & Margin role. You will be the group's pricing authority and will own take rate: the revenue ACE earns on each transaction, for every sending-to-receiving corridor pair and every payout partner.
Our revenue is volume multiplied by take rate. Growth owns volume, and this role owns take rate. Both functions are measured on the same segment net-revenue metric, so they work as partners and neither can optimise at the other's expense.
The role exists to settle a healthy tension. The volume side will push for sharper prices, and the cost side will push for wider margins. You belong to neither side, so you report directly to the Group CEO through a single reporting line. You will set prices on evidence, hold the margin floors, and answer for the fairness of every price ACE publishes to customers.
You will lead a team of Corridor Pricing Managers, pricing operations specialists and analysts, and you will build and scale the function. This is a chance to design pricing governance for a fast-growing global fintech from the ground up. Your work will directly shape our commercial performance, our competitive position and how customers experience us in regulated markets.

Responsibilities

Commercial ownership and take rate

Own revenue per transaction on the pricing side across all corridors, partners and customer segments.
Manage corridor-level economics that vary by geography, including cost structure, local payment rails and the competitor landscape in each market.
Optimise revenue streams within the scheme terms that apply, and flag any growing dependency on a single stream to Finance.
Treat every rate and fee change as one decision. No change presented to customers as an improvement may reduce what the beneficiary receives.

Pricing rulebook and governance

Own the group's pricing rulebook as versioned, controlled configuration. This covers margin floors, tolerance bands and campaign pricing controls.
Run pricing changes through maker-checker controls with clear approval authority and audit trails.
Set up and chair a monthly Pricing Governance Forum that reviews performance, exceptions, competitor movements and proposed changes.
Govern promotional pricing end to end: design, approval, launch, monitoring, measuring the result and closing the campaign.

Competitive intelligence

Own ACE's competitor position, measured on what the customer actually receives (rate and fee together) rather than the headline rate alone.
Answer for the response to competitor moves, deciding when to match, when to hold and when to differentiate.
Feed daily pricing intelligence into group reporting so leadership has a clear, timely view of position and margin.

Platform and data ownership

Act as business owner of the group's pricing and rate-automation platform, including its classification logic, approval controls and roadmap.
Work with Product, Technology and Data teams to turn pricing strategy into reliable, auditable system configuration.
Design and scale pricing experiments and controlled tests, and report measured outcomes rather than claimed ones.

Conduct, compliance and risk

Carry conduct accountability for pricing under the UK Consumer Duty. This covers fair price differentiation, alignment between prices and customer disclosures, and good customer outcomes.
Involve the Group MLRO and Compliance at the design stage of pricing changes, not after launch.
Keep pricing decisions documented, defensible and ready for regulatory review.

Leadership and function building

Lead, coach and develop the Corridor Pricing Managers and the wider pricing operations and analytics team.
Build and scale the Pricing & Margin function: structure, capability, processes, tooling and hiring.
Explain pricing to the board in commercial terms, and work closely with the technical and product teams who implement it.
Deliver against a structured KPI framework covering commercial, operational, governance and people outcomes. The framework is agreed with the Group CEO on appointment.

Requirements
Qualifications & Experience

8+ years in revenue management or pricing in a high-volume, transaction-driven business, such as payments, remittances, fintech, FX, ride-hailing, online travel or a comparable field.
At least 3 years in a dedicated pricing or revenue leadership role, with some of that time in a regulated consumer market. 10 years is preferred, but capability matters more than tenure.
A track record of managing distinct regional or corridor-level economics across multiple geographies.
Demonstrable experience running governed pricing, such as maker-checker or equivalent controlled change, pricing committees or regulated price-setting.
Essential: working knowledge of the UK Consumer Duty or an equivalent conduct regime.
Strong command of transaction economics: FX pricing, fee structures, incentive schemes, correspondent and scheme costs, and unit-level profitability.
Proven experience designing and scaling pricing experiments or controlled tests, with measured results to show.
Fluent in SQL against a data warehouse.
Comfortable with Python or R, or experienced in directing analysts who use them.
Has built or run BI and analytics tooling rather than relying on a separate data team for answers.
A degree in a quantitative subject such as mathematics, statistics, economics or data science. A postgraduate qualification is desirable, but capability matters more than certification.

Soft Skills & Leadership

Independent commercial judgement: you can arbitrate fairly between volume and margin, and hold a position when the evidence supports it.
Stakeholder management: you can influence the CEO, Finance, Growth, Compliance and Technology, and handle competing priorities with credibility.
Commercial acumen: you think in unit economics and net revenue, and you link pricing decisions to long-term value.
Structured problem-solving: you work from hypotheses and evidence, and you are comfortable with ambiguity and complex corridor dynamics.
Governance mindset: you default to control, transparency and documentation, and you understand why these matter in regulated markets.
Team building: you have led teams that include managers, and you have built a function from scratch rather than only inheriting one.
Clear communication: you can explain the same pricing decision to a board and to an engineering team.
Customer fairness: you are committed to prices that are competitive, transparent and fair to customers.

Job Details

Location: Lahore, Pakistan
Job Type: Onsite (Lahore office)
Working Hours / Shift: 1:00 PM – 10:00 PM PKT, plus rota-based cover of European trading hours
Department: Pricing & Margin, a standalone group vertical
Reports to: Group CEO (single reporting line)

About ACE Money Transfer

ACE Money Transfer is a UK-based multinational fintech headquartered in Manchester, United Kingdom. We provide fast, secure and affordable online remittance services to customers in 29 countries across the UK, Europe, Canada and Australia, and we enable cross-border money transfers to 100+ countries worldwide.
Every day, our platform helps people support their families, pay for education and build better futures across borders. As part of the wider ACE Group, we combine a fast-paced growth culture with strong regulatory standards and a commitment to innovation in digital payments.
At ACE you will work with talented, diverse teams across multiple regions and take real ownership of work that matters. You will also help shape the future of global money movement.

Learn more: ACE Money Transfer Company Profile

About the Company

ACE Money Transfer

Facilitates international remittances via online platform

ACE Money Transfer is a UK fintech that lets people send money internationally. Users fund transfers via website or mobile app using cards or digital wallets, and recipients receive by bank deposit, cash pickup at 375,000 locations, or mobile wallets in 100+ countries. It makes money from transfer fees and currency margins. Founded in 2002 and run by a family, it differentiates itself with a long track record, a wide cash-pickup network, and regulatory compliance; its goal is to provide reliable, affordable remittance with transparent fees and flexible payout options.

Company size: 201-500
Company stage: Not listed
Total funding: Not listed
Headquarters: Warrington, United Kingdom
Founded: 2002

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