Key responsibilities
Monitor and analyze key card payment KPIs, including fraud rates, conversion rates, authorization rates, and chargeback ratios.
Maintain a comprehensive performance monitoring framework covering both scheme-related and operational KPIs.
Identify trends, anomalies, and potential risks, translating insights into actionable improvement initiatives.
Ensure timely investigation and resolution of incidents affecting card payment performance.
Develop and maintain periodic and ad hoc reporting on card payment performance, compliance, and risk indicators.
Support and execute fraud prevention activities, including alert monitoring, transaction reviews, and rule optimization.
Manage and improve chargeback and dispute processes, including tracking, analysis, prevention, and operational handling.
Collaborate with Risk, Operations, Product, and Technology teams to optimize the balance between acceptance and risk.
Investigate and resolve issues impacting payment performance, such as transaction declines, authentication challenges, and routing inefficiencies.
Perform in-depth analyses on merchants, industries, customer segments, and payment flows to identify optimization opportunities.
Monitor compliance with card scheme thresholds, monitoring programs, and performance requirements related to fraud and chargebacks.
Analyze scheme fee structures and identify opportunities to improve cost efficiency and overall card payment performance.
Contribute to the automation and continuous improvement of monitoring, reporting, and operational processes.
Document procedures, analyses, findings, and implemented improvements for internal knowledge sharing and governance.
Provide recommendations to Product and Technology teams regarding payment flow enhancements and risk controls.
Act as an operational backup for fraud and dispute management activities when required.
Stakeholder Management
Build and maintain operational relationships with card networks, including Visa, Mastercard, and American Express.
Act as a key liaison between issuers and internal stakeholders.
Collaborate closely with Risk, Operations, Merchant Accounting, Product, Compliance, and Technology teams.
Participate in card scheme meetings, working groups, and training programs to ensure PAY remains informed of regulatory and industry developments.
Serve as an internal subject matter expert for card scheme requirements, performance monitoring, and compliance-related topics.
Who are you?
You have a strong analytical mindset and are comfortable working with data and performance metrics.
You have an interest in card payments, fraud prevention, chargebacks, and payment optimization.
You are proactive, detail-oriented, and capable of identifying risks before they become issues.
You are an excellent stakeholder manager and communicator.
You can translate complex data into clear insights and practical recommendations.
You enjoy working in a dynamic fintech environment and staying informed about developments within the payments industry.
What we offer?
A challenging specialist role within a fast-growing fintech organization.
The opportunity to work closely with leading international card networks.
Significant ownership and influence over payment performance and compliance initiatives.
Continuous learning opportunities through training, certifications, and industry events.
A collaborative and innovative environment where your work has a direct impact on the success and integrity of Pay.'s card payment operations.
Our Locations
At Pay., you’ll use your expertise to contribute to the integrity and reliability of payment transactions. You’ll have the opportunity to analyze transaction patterns, identify risks, and help develop ways to improve AML processes.
Together with your colleagues, you’ll help prevent financial crime and ensure that potential risks are identified in a timely manner, carefully assessed, and addressed in accordance with applicable laws and regulations.
