About the Job
Pearls Consulting is seeking a specialist team for a financial operations engagement with one of Saudi Arabia's important fintech platforms. The platform operates a wallet infrastructure, manages multi-party settlements, and requires seamless reconciliation across wallet engines, PSPs, card networks, and banking systems.
Offer 1: Wallet / Payments Operations Consultant
What You'll Do:
- Review wallet architecture, lifecycle transactions, and financial events
- Evaluate system integrations (SAP, banks, payment service providers (PSPs), and other external entities)
- Define processes related to wallet management and settlement, including withdrawals across all channels, refunds, recycling, and reversals
- Design reconciliation logic between PSP settlement files, wallet ledger entries, and bank statements
- Define the financial event taxonomy for each payment type, including card top-ups, international wire transfers, SADAD payments, refunds, withdrawals, and edge cases like partial payments, FX conversion mismatches, indeterminate transaction states, and failed authorisations
- Work closely with the client's product and finance teams, translating operational pain points into structured requirements
- Design the Target Operating Model for wallet and payment operations
- Evaluate reconciliation platforms for their ability to handle the complexity of the ecosystem
The Ideal Candidate Will Have:
- 7+ years of hands-on experience in digital payments, wallet operations, or fintech, specifically in operating systems rather than consulting about them
- Practical experience managing a wallet ledger, processing PSP settlement files, investigating failed payments, and handling escalations when reconciliation issues arise
- Direct experience with at least one of the following: a wallet platform (STC Pay, Urpay, HalaPay, Revolut, Wise, Cash App, Payoneer), a PSP (HyperPay, Checkout.com, Adyen, Stripe, Tap Payments, PayTabs), or the payments operations team at a large marketplace or digital platform
- In-depth understanding of card network settlement mechanics, including Visa, MasterCard, and Mada, as well as interchange fee structures and the distinctions between authorization, capture, and settlement
- Experience working in SAMA-regulated environments (or equivalent central bank oversight) for stored value/e-money products
Offer 2: Wallet / Payments Systems Consultant
What You'll Do:
- Lead the system selection workstream by evaluating the market for reconciliation platforms and financial operations tools
- Build the evaluation framework and provide actionable recommendations based on your findings
What We're Looking For:
- 10+ years of experience in systems architecture, integration architecture, or solution architecture, with a strong focus on financial services or fintech
- Hands-on experience with at least three of the following:
- SAP S/4 HANA integration (FICO module, bank communication, payment processing)
- Payment system architecture (PSP integration, card network flows, settlement processing)
- Wallet/ledger systems (BaaS platforms, e-money systems)
- Banking APIs and standards (ISO 20022, MT940/CAMT.053, SWIFT)
- Reconciliation platform architecture (BlackLine, ReconArt, Duco, or similar)
- Strong understanding of integration patterns, including real-time APIs, event-driven/webhooks, and file-based batch, and the trade-offs between them
- Experience with event-driven architecture, with familiarity in event sourcing concepts being a plus
- Familiarity with BIAN service domain framework and TOGAF architecture methodology
Location: Riyadh, Saudi Arabia (ideally) or remote
Senior Consultant Level : this is a hands-on expert role, not a team or client management position.
Contact: Please send your resume to: [Confidential Information]ting
