Payment Operations Manager

Strategy & Localization Accurately interpret the company's global payment business strategy and develop localized country-level operational strategies, annual objectives, and execution roadmaps based on market size, payment ecosystem, industry trends, and cultural practices. Drive the localization of payment products, operating models, and service systems by balancing global standardization with local flexibility, ensuring seamless integration of global strategies into executable local plans. Break down national business goals into measurable milestones, coordinate local teams, establish a closed-loop management process (Planning → Execution → Monitoring → Review), and continuously optimize strategies to achieve KPIs such as project progress, transaction volume, and merchant penetration. End-to-End Project Operations Lead the initiation, planning, execution, and monitoring of local aggregation payment projects, overseeing payment channel integration, system implementation, merchant acquisition, and customer service. Coordinate internal and external resources to resolve project bottlenecks and operational challenges. Continuously monitor operational KPIs such as: Transaction success rate Payment latency Merchant retention rate Complaint rate Analyze operational data to optimize payment processes, product experience, and service quality while exploring innovative local operating models to reduce costs and strengthen competitiveness. Market Insights & Business Growth Stay informed about local payment industry trends, market demand, and competitor activities. Conduct market research to identify opportunities and pain points that support strategic planning, product improvements, and merchant expansion. Develop merchant acquisition strategies and lead local merchant development teams to onboard high-quality merchants across various industries and business sizes. Build a comprehensive merchant relationship management system to improve merchant retention, satisfaction, and identify opportunities for value-added services. Adapt quickly to rapid industry changes by adjusting operational strategies and introducing innovative payment solutions tailored to local market scenarios. Compliance & Risk Management Possess in-depth knowledge of local regulatory policies, industry regulations, data security laws, anti-money laundering (AML) requirements, and international payment standards. Ensure compliance across the entire business process, including merchant onboarding, settlement, and data transmission. Liaise with local regulators, respond promptly to policy changes, cooperate with compliance audits, and minimize regulatory risks. Develop comprehensive risk management frameworks and contingency plans to address regulatory changes, payment security, foreign exchange fluctuations, and geopolitical risks. Establish strict merchant onboarding, review, and classification procedures to mitigate merchant risks. Oversee fund settlement and reconciliation processes while monitoring fund flows to prevent fraud, fund misappropriation, and money laundering. Requirements Education Bachelor's degree or above. Preferred majors include: Project Management Finance Marketing Business Administration International Trade Overseas educational background or multinational operations experience is an advantage. Work Experience 3–5+ years of experience in: Aggregated Payments Financial Payment Services Cross-border E-commerce Multinational Operations Overseas local payment operations experience is preferred. Familiarity with the payment ecosystem of the assigned country (e.g., mainstream payment methods and e-wallets) is highly preferred. Proven experience managing large-scale projects throughout the entire project lifecycle, with demonstrated success in project delivery and business growth. Execution & Collaboration Skills Strong cross-functional and cross-organizational collaboration skills. Excellent communication skills in multicultural environments. Ability to translate corporate strategy into localized execution plans. Strong planning, goal decomposition, and execution capabilities. Experience in: Team building Performance management Talent development Leadership Ability to build and lead high-performing local teams. Strong market awareness with the ability to formulate merchant acquisition and business growth strategies. Innovative mindset and adaptability in fast-changing industries. Professional Competencies Strong sense of ownership and accountability. Strategic thinking with the ability to work under pressure. Detail-oriented with excellent logical thinking and problem-solving skills. Commitment to continuous learning and keeping up with industry and regulatory developments. Alignment with the company's culture and values. Willingness to work overseas.