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 is a UK-based fintech that helps people send money internationally. Users can transfer to over 100 countries via its website or mobile app, funding transfers with debit/credit cards, Google Pay, or Apple Pay, and recipients can receive funds by bank deposit, cash pickup at over 375,000 locations, or mobile wallets. It earns revenue from transfer fees and currency exchange margins and evolved from physical branches and fax workflows to a fully online service after the COVID-19 pandemic, with oversight from the FCA and regulators in Australia and Canada. Its goal is to provide reliable, accessible remittance services with clear fees and multiple payout options that connect migrants to their communities.

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

Warrington, United Kingdom

Founded

2002

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Simplify's Take

What believers are saying

Ireland became profitable within six months, proving fast international expansion execution.
Payfuture partnership in June 2026 expands payout reliability across Africa, Asia, and Middle East.
PNB partnership and Askari Bank deal deepen Pakistan coverage for core expatriate corridors.

What critics are saying

Remittance margins stay thin; corridor fee pressure from Wise and Remitly compresses growth.
Director Tariq Mehmood exited June 22, 2026, signaling possible governance churn.
Visa dependency on card funding creates platform risk if AFT economics deteriorate.

What makes ACE Money Transfer unique

FCA, Central Bank of Ireland, KNF, FINTRAC, and AUSTRAC oversight builds trust.
ACE serves 1.3 million customers across UK, Europe, Australia, and Canada.
Visa AFT collaboration in July 2026 strengthens card-funded transfer infrastructure.

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Benefits

Remote Work Options

Company News

Pakistan Pulse 360

Sep 16th, 2026

ACE Money Transfer introduces new app enhancements for faster and simpler transfers.

ACE Money Transfer introduces new app enhancements for faster and simpler transfers. * Follow Us Updated mobile experience is designed to make sending money easier, faster, and more convenient for customers. Manchester, United Kingdom - ACE Money Transfer has introduced a series of enhancements to its mobile app, making it easier for customers to send money internationally through a faster, simpler, and more intuitive experience. The latest update introduces enhancements across the customer journey, designed to make money transfers more convenient, intuitive, and transparent while improving the overall user experience. The enhancements are part of ACE Money Transfer's ongoing efforts to deliver a digital remittance service that is simple, reliable, and easy to use. Among the key enhancements: the transfer process now moves through a clearer, structured flow, with live updates to fees and exchange rates shown upfront so customers can see the full payment amount before they commit. Adding a new receiver has also been simplified into a more intuitive, step-by-step process. The app now displays active promotions and offers more prominently, and customers can track their transfer status in real time, including during manual review so they always know exactly where their money is. The identity verification process has also been streamlined, giving customers clearer visibility and control over any outstanding steps. As digital financial services continue to evolve, customer expectations around speed, convenience, and transparency are also changing. ACE Money Transfer continues to invest in its digital platform to ensure customers benefit from a smooth and dependable money transfer experience. Commenting on the update, Qamar Adnan, Chief Product Officer at ACE Money Transfer, said: "Customers want speed, clarity, and confidence when sending money internationally. These enhancements are designed to make every transfer simpler and more convenient, giving customers a better experience from the moment they open the app until their money reaches their loved ones." The latest enhancements reflect ACE Money Transfer's continued commitment to improving its digital services and delivering a customer-first remittance experience across its international markets.

Financial IT

Jun 9th, 2026

Payfuture and ACE Money Transfer strengthen cross-border payment services through strategic partnership.

Payfuture and ACE Money Transfer strengthen cross-border payment services through strategic partnership. * Payments * 09.06.2026 09:47 am Payfuture, the global payments company building financial infrastructure in emerging markets, today announced a strategic partnership with ACE Money Transfer, one of the UK's most established remittance providers, serving more than 1.3 million customers across UK, Europe, Australia, and Canada. As part of its ongoing efforts to support leading remittance providers in delivering seamless cross-border payment experiences, Payfuture has partnered with ACE Money Transfer to enhance payout services across key remittance markets. The collaboration reflects a shared commitment to improving service reliability, operational efficiency, and the overall customer experience. The partnership supports ACE Money Transfer's growing customer base, many of whom rely on remittance services to support family members and loved ones abroad. As demand for fast, reliable, and convenient international money transfers continues to increase, strategic collaborations between payment providers and remittance companies play an important role in delivering a consistent and trusted customer experience. For ACE Money Transfer customers who regularly send money to support family members and loved ones abroad, reliability and efficiency are essential. Through this partnership, Payfuture is supporting ACE Money Transfer in enhancing its payout capabilities and delivering a more seamless and dependable experience for customers across key remittance markets. Through its partnership with ACE Money Transfer, Payfuture is helping support enhanced payout capabilities, contributing to improved service reliability, operational efficiency, and a seamless experience for both senders and recipients. Sid Gautam, Chief Revenue Officer at Payfuture, said: "We're delighted to be partnering with ACE Money Transfer, a business that shares our commitment to making cross-border payments faster and more reliable. Together, we're helping ACE deliver a better experience for their customers sending money home, with the speed and consistency that matters most to them." Hasan Mubarak, Group Unit Head - Corporate Relationship & Business Development at ACE Money Transfer, said: "At ACE Money Transfer, we are committed to continuously enhancing the experience we provide to our customers. Our partnership with Payfuture reflects that commitment, helping us strengthen our service offering and deliver a more reliable, efficient, and seamless remittance experience. We look forward to working together to support the evolving needs of customers and further improve the way people send money across borders." The partnership reflects the growing demand for reliable, efficient, and customer focused cross-border payment solutions. As customer expectations continue to evolve, collaboration between payment providers and remittance companies plays an increasingly important role in delivering seamless payment experiences. Through partnerships with established remittance providers such as ACE Money Transfer, Payfuture continues to support the delivery of dependable payment services while helping enhance customer experience across global remittance markets

PR Newswire

May 19th, 2026

ACE Money Transfer hits profitability within six months of Irish launch

ACE Money Transfer has announced that its Irish operations reached profitability within six months of launch, marking a significant milestone in the company's European expansion strategy. The Dublin-based division, authorised by the Central Bank of Ireland, has seen strong customer adoption of its cross-border payment services across major European remittance corridors. Ireland serves as the company's strategic, regulatory and operational hub for Europe. The rapid profitability validates ACE's product-market fit and the scalability of its European model, according to CEO Arslan Naeem. The company attributes success to regulatory readiness, competitive pricing and focus on customer experience. ACE Money Transfer plans to expand further across European corridors, powered by sustained market demand and broader adoption of digital remittance services.

PakBanker

Feb 28th, 2026

ACE Money Transfer Partners with Askari Bank to Expand Digital Remittance Channels in Pakistan

ACE Money Transfer partners with Askari Bank to expand digital remittance channels in Pakistan. ACE Money Transfer, a leading global remittance service provider, has entered into a strategic partnership with Askari Bank to strengthen and expand legal and digital remittance channels in Pakistan. The collaboration was formalized during a signing ceremony in Islamabad, attended by senior representatives from both organizations, highlighting a shared commitment to enhancing remittance accessibility and security for customers across the country. The partnership aims to improve payout coverage for overseas Pakistanis residing in key markets including the UK, Europe, Australia, Canada, and other major corridors. Beneficiaries will now have access to more convenient and reliable remittance services through Askari Bank's extensive nationwide network, enabling seamless transfers via formal banking channels. Through this initiative, ACE Money Transfer continues to expand its trusted network of payout partners, ensuring greater flexibility and accessibility for recipients across Pakistan. The move also supports the broader agenda of promoting regulated remittance flows, contributing to a digitally enabled financial ecosystem and fostering transparency and accountability in cross-border financial transactions. Speaking at the ceremony, Hasan Mubarak, Group Unit Head at ACE Money Transfer, emphasized the company's focus on strengthening its global payout infrastructure to better serve overseas Pakistanis and their families. He highlighted that the collaboration with Askari Bank reflects a mutual commitment to delivering reliable and accessible remittance solutions, while encouraging the use of formal financial channels for economic stability. Muzammil Hanif, Head of Home Remittance and RDA at Askari Bank, underscored the bank's strategic focus on secure, efficient, and future-ready remittance solutions. He stated that the partnership enhances Askari Bank's home remittance capabilities and deepens engagement with overseas Pakistanis, ensuring that funds reach beneficiaries through transparent and regulated banking systems. This initiative is aligned with the bank's broader commitment to digital financial services and financial inclusion. The collaboration is expected to provide several advantages, including improved transaction speed, greater reliability, and enhanced digital access for customers. It also aligns with Pakistan's ongoing efforts to increase adoption of formal financial channels and strengthen the country's remittance infrastructure, which remains a critical source of economic resilience and household income support. This partnership highlights the growing importance of innovative, compliant, and customer-centric approaches in the remittance sector. By integrating technology-driven solutions with a strong regulatory focus, ACE Money Transfer and Askari Bank aim to set a benchmark for secure and efficient cross-border financial services in Pakistan. As digital financial services continue to expand, the collaboration reinforces the role of formal banking networks in delivering inclusive and accessible remittance solutions. The initiative not only strengthens operational capabilities but also contributes to economic stability by promoting transparency, efficiency, and trust in Pakistan's financial ecosystem.

ACE Money Transfer

Head of Pricing & Margin

About the job