Purpose of Role
This role will take ownership of analysing, managing, and optimising the economics of MarTrust’s and Navigator’s global payment network. The role combines elements of cost control, pricing strategy, and treasury analytics to strengthen profitability and ensure a unified view of payment partner performance and network efficiency.
The Senior Pricing & Cost Analyst will act as the key liaison between Finance, Operations, Commercial and Product teams, ensuring that network cost data, pricing frameworks, and liquidity decisions are accurate, data-driven, and control focused
Job Responsibilities
Payment Partner Cost and Performance
- Analyse partner cost structures, service levels, and transaction performance to ensure best-value routing across corridors.
- Benchmark contracted vs actual costs and perform sample audits to validate accuracy of partner billing.
- Perform periodic checks on partner invoices to verify fees, spreads, and FX rates charged versus contractual terms.
- Provide monthly reporting on partner cost performance and route efficiency.
Payment Network Optimisation Strategy
- Optimise internal and external payment network structures to support scale-up to ~100,000 payment transactions and $17bn annual flow.
- Evaluate alternative partner routes and corridor coverage based on cost, reliability, and FX efficiency.
- Provide analytics to support renegotiation and onboarding of partners to deliver measurable network savings.
Treasury & Liquidity Analytics
- Analyse liquidity usage across currencies, partners, and rails to identify trapped or underutilised balances.
- Analyse settlement cycles, float balances, and funding costs to identify idle or inefficiently deployed cash.
- Support Payment Operations in forecasting and allocating liquidity by corridor and payment partner.
- Develop insights linking liquidity use to partner billing, payout timing, and FX exposure impacts.
- Recommend actions to optimise prefunding levels and currency allocation efficiency.
FX Positions, Exposure and Hedging Recommendations
- Monitor FX gains and losses arising from daily transactions and settlements across MarTrust and Navigator.
- Track and explain variances between transactional FX rates and benchmark rates, identifying drivers such as timing mismatches or partner spread changes.
- Produce periodic exposure analysis by currency and recommend hedging or offset actions aligned to Treasury strategy eg weekend thresholds
Payout and FX Pricing / Custom Price Proposals
- Support development of FX and payout pricing frameworks aligned to true network cost and target margins.
- Collaborate with Finance, Commercial and Product teams to prepare customer-specific price proposals and profitability analysis.
- Monitor realised versus target margins, identifying corrective actions or repricing needs.
- Recommend price tiering or routing adjustments based on corridor cost performance and market competitiveness.
Requirements
- 5–8 years’ experience in payments, fintech, or banking, ideally focused on pricing analysis, partner cost control, or treasury analytics.
- Proven experience analysing payment network performance, FX costs, and partner fee structures.
- Exposure to cross-border payout networks, card scheme economics, and multi-currency settlement flows. Experience of working across Finance, Operations, Product, and commercial teams to drive cost savings and pricing improvements.
- Strong background in financial analysis, pricing, or payments network optimisation, ideally gained within a fintech or banking environment..
Advanced skills in data modelling, cost analysis, and FX or treasury analytics preferred, supported by practical experience in partner cost or network performance analysis. - Understanding of payment network architecture, partner pricing models, and FX margin drivers.
- Skilled in data modelling, cost benchmarking, and performance tracking using Excel, Power BI, or similar tools.
- Knowledge of cross-border payments, multi-currency treasury operations, and hedging principles.
- Ability to design and manage pricing frameworks and approval processes across payout and FX services.
- Familiarity with card scheme cost structures (MasterCard, VISA assessments & cross-border) is advantageous.
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What We Do
Marcura is the company behind eight of the leading solutions and brands streamlining processes in the maritime industry. Our solutions include DA-Desk, PortLog, MarTrust, ShipServ, Marcura Compliance and Marcura Claims. For over 20 years, we’ve been developing platforms that have been digitally transforming the industry. We work closely with our global customers and partners to develop solutions to everyday industry challenges, and together raise standards along the way. Founded in 2001 on the principles of independence and transparency, we are headquartered in Dubai. Today, we have over 800 customers, making over $14bn of payments on behalf of customers every year, and employ nearly 1,000 team members across the globe – all committed to supporting the front-line of the maritime industry. United in our vision to support maritime professionals in being the best at what they do, Marcura is pioneering new ways to transform compliance, transparency and efficiency in shipping. Building value through standardisation, data-driven decision making and integration of new technologies, Marcura is driving the era of digitisation across the seas.
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