Pricing & Commercial Strategy Manager (B2B Cards/Payments)
Reap provides global financial infrastructure powered by stablecoins. We help businesses achieve their financial goals by providing a suite of products and services, including corporate credit cards and global payment solutions, to enable them to thrive in a connected and borderless world.
About Reap
Reap helps achieve global financial goals by accessing essential financial infrastructure. With our global suite of products and services, we enable businesses to thrive in a connected and borderless world. Reap provides payment solutions for your financial needs, whether off-the-shelf or embedded finance. Our core products that streamline your financial operations include the Reap Card, a corporate credit card with flexible bill repayment options in either fiat or digital currencies, and Reap Pay, which allows you to pay anyone, anywhere using your preferred currencies. We also offer API and embedded finance solutions like Card Issuing to launch your own card program and a Payment API for automated global fiat payouts at scale.
Skills
About the Role
You will own Reap's commercial strategy and pricing architecture with a primary focus on card issuing, partner card programs, and adjacent product pricing structures. Sitting under the FP&A team in Finance, you will work cross-functionally with Product, Sales/GTM, and Finance to build pricing frameworks that don't yet exist. You'll design, maintain, and evolve pricing frameworks, analyse interchange economics, scheme fee structures, FX spreads, subscription tiers, and contract-level unit economics to ensure pricing captures value and supports margin targets. You'll also refine pricing models as products evolve, build financial models for deal structuring and product launches, understand cost-to-serve and pricing elasticity across customers and partners, and partner with Sales and Product in client and partner conversations involving complex pricing and deal structuring. You'll also support strategic integration work including cross-sell economics and joint go-to-market pricing.
Requirements
- 7+ years of relevant experience in commercial strategy, pricing, FP&A, or strategic finance, with exposure to payments, fintech, or financial services
- Deep understanding of payments economics including interchange, scheme fees, FX, subscription and transaction-based pricing models
- Experience with card issuing, BaaS/embedded finance, or partner card program economics strongly preferred
- Strong financial modelling skills with ability to build from first principles
- Commercial intuition for pricing decisions in sales conversations, partner negotiations, and customer retention
- Excellent communication and stakeholder management skills
- Analytical and data-driven with ability to interpret complex datasets
- SQL proficiency or experience with BI/analytics tools is a strong plus
- Self-directed and comfortable with ambiguity
Responsibilities
- Own the pricing strategy across the business lines
- Design, maintain, and evolve pricing frameworks for the product stack
- Analyse interchange economics, scheme fee structures, FX spreads, subscription tiers, and contract-level unit economics
- Optimise and extend product pricing structures as products evolve
- Build the commercial modelling capability for deal structuring, partnership agreements, and product launches
- Drive customer and partner segmentation based on cost-to-serve, willingness to pay, and pricing elasticity
- Act as the commercial subject matter expert in strategic deals with Sales and Product
- Support strategic integration workstream including cross-sell economics and joint go-to-market pricing
Benefits
- Flexible hybrid work environment
- Insurance coverage after probation
- Reap Card stipend
- Use of AI tools at work