RAGHAD ALRUTHIA

Managed financial operations and settlements for 1,000+ merchants, overseeing 10M+ daily transactions and improving on-time settlements by 30% in five months.
• Executed a merchant loan and financing project with Al Rajhi Bank, enabling tailored financial solutions and supporting business growth.
• Led an inactive BNPL campaign for booking invoices, preparing operational frameworks for future deployment.
• Built and strengthened strategic partnerships with banks, fintech providers, and merchants to drive adoption and revenue growth.
• Directed projects in digital payments, POS systems, and merchant lifecycle optimization, enhancing merchant and customer experience.
• Implemented process improvements and automation initiatives, increasing operational efficiency and minimizing errors.
• Delivered financial analysis and KPI reporting to support data-driven strategic decision-making.

• Resolved complex financial issues through collaboration with internal teams and external partners

• Conducted market analysis to identify growth opportunities, optimize product positioning, and tailor campaigns for diverse merchant segments.
• Led merchant onboarding, training, and awareness sessions, enhancing product understanding and user adoption.
• Spearheaded the go-to-market strategy for new payment products, driving merchant adoption and expanding market presence.

• Managed government and corporate accounts, ensuring accurate billing, contract compliance, and adherence to internal policies.
• Verified and audited revenue streams in line with regulatory standards to minimize financial risks.
• Collaborated with sales and operations teams to resolve discrepancies and enhance account performance.
• Supported the implementation of revenue management systems to improve reporting accuracy and compliance.

• Developed and maintained strong relationships with key stakeholders for improved collaboration and strategic alignment.
• Managed strategic partnership initiatives to drive measurable outcomes and deeper relationships with cross-functional teams.