Payment Manager

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.

• 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 elevate 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.

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.

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

• 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)