Job Purpose: Payment Manager is responsible to lead and oversee the company's end-to-end payment operations, ensuring secure, efficient and scalable payment solutions across markets, while driving strategic initiatives, optimising performance, mitigating risks and delivering a seamless customer experience.

Job Scope/ Responsibilities:

Lead and manage the end-to-end payment function, driving payment strategy, partner selection, process optimisation, risk mitigation and regulatory compliance across multiple markets.

• Oversee cross-functional teams and stakeholders, ensuring efficient payment operations, performance monitoring and actionable insights to support business growth and scalable, secure payment solutions.

• Conduct in-depth assessments of payment landscapes in various markets to determine preferred methods, infrastructure capabilities and regulatory constraint.

• Recommend payment solutions aligned with customer needs, business models and expansion plans.

• Track emerging trends in digital payments, fintech innovation and regulatory changes that may impact business operations.

• Identify, compare and evaluate potential payment service providers, acquirers and gateways based on reliability, cost, conversion rates, settlement cycles and integration complexity.

• Lead the selection and onboarding of new payment partners to support product launches or market expansion

• Collaborate with Product and IT teams to integrate new payment methods and optimise transaction routing

• Work with the insights team to constantly analyse the performance of payment methods to ensure they are working efficiently.

• Frequently report on the analytics of each payment method and reasons for their relative performance metrics.

• Ensure payment systems operate with high uptime, strong authorisation rates and minimal transaction failures.

• Continuously refine payment flows to improve customer experience and reduce friction.

• Identify and monitor payment-related risks, including fraud, chargebacks, regulatory non-compliance and operational failures.

• Work with Payment Processing teams to enforce AML/KYC requirements, data security standards and local regulatory frameworks.

• Implement or enhance fraud detection tools, rules and monitoring processes.

• Support commercial negotiations with payment service providers and vendors, ensuring favourable pricing, SLAs and service agreements.

• Maintain strong relationships with payment partners and escalate issues to ensure timely resolution.

• Evaluate payment service providers performance regularly and recommend optimisation or replacement when needed.

• Analyse transaction data to identify trends, measure performance and provide insights that support commercial and operational decisions.

• Use data to recommend improvements to payment routing, risk filters, and provider configurations.

• Identify opportunities to reduce payment-related costs through improved routing, fee negotiations or alternative payment methods.

• Streamline internal payment workflows, dispute processes and reconciliation activities.

• Standardise payment practices across markets for scalability and efficiency.

Partner with Processing teams to resolve payment issues and enhance troubleshooting processes.

• Work with Finance teams to ensure accurate reconciliation, settlement tracking and dispute handling.

• Support Product Marketing and Growth teams with insights on local payment preferences and conversion barriers.

• Create SOP’s to sustainably manage the E-Payments area, its team, its responsibilities, its key stakeholders and all areas which pertain to the department.

• Manage the payment processing team, fostering a high-performing, collaborative culture while driving accountability and professional development.

Qualifications:

B degree in Business/Finance/Information Systems or related field.

Experience:

• 8-10 years’ experience in digital payments, fintech, banking, e-commerce or financial operations

• Experience working with payment gateways, PSPs, acquirers, or digital wallet providers for both Crypto and Fiat currencies.

• Exposure to regulatory environments and compliance functions (e.g., AML, KYC, PCI)