Senior Payments Operations Lead

This is a fully remote position, open to applicants in Ukraine.

📋 Description

• Take charge of and enhance the company’s payment operations function.

• Develop a multi-PSP infrastructure by identifying, assessing, negotiating with, onboarding, and integrating payment service providers.

• Evaluate the existing payment setup and establish the future multi-PSP strategy.

• Create a robust multi-provider framework that minimizes concentration and operational risks.

• Design and execute payment orchestration, routing, cascading, and failover mechanisms.

• Collaborate with legal, finance, product, and engineering teams throughout PSP integrations.

• Set up PSP performance evaluations and relationship management processes.

• Oversee payment performance across PSPs, products, countries, and transaction categories.

• Analyze authorization rates, decline rates and their causes, renewal sequences, payment failures, recovery rates, dispute ratios, and fraud ratios.

• Develop retry, cascading, routing, and dunning strategies.

• Enhance failed-payment recovery and decrease involuntary churn.

• Create reports, dashboards, alerts, and monitoring systems for operational decisions and early detection of payment issues.

• Investigate performance fluctuations and coordinate corrective measures with internal teams and external providers.

• Establish and manage frameworks for disputes, refunds, chargebacks, and fraud monitoring.

• Define roles, workflows, escalation procedures, and internal controls.

• Ensure compliance with PSP risk programs and applicable card-scheme requirements.

• Lead initial infrastructure development initiatives, particularly in the first six months.

• Report administratively to a manager while functionally collaborating with the CEO, CFO, founders, product, engineering, legal, and operations teams.

⛳️ Requirements

• Minimum of five years of relevant experience in payment operations, payment performance, acquiring, or subscription billing.

• Direct experience collaborating with multiple PSPs, such as Stripe, Adyen, Braintree, Checkout.com, or similar providers.

• Demonstrated experience in evaluating and onboarding PSPs and managing multi-provider payment infrastructures.

• Proficiency in building or operating payment orchestration, routing, and cascading systems.

• Strong background in recurring subscriptions, renewals, retries, dunning, and minimizing involuntary churn.

• Experience managing payment volumes exceeding $12 million.

• Comprehensive understanding of authorization rates, decline reasons, recovery rates, dispute ratios, and fraud ratios.

• In-depth knowledge of refunds, disputes, chargebacks, fraud monitoring, and card-scheme compliance.

• Excellent analytical skills with the ability to translate payment data into actionable priorities.

• Proven experience in developing reporting, dashboards, and operational monitoring from scratch.

• Comfortable working directly with senior executives, technical teams, legal partners, and external payment providers.

• Strong communication and negotiation skills in English.

• Relevant experience in high-volume, international subscription businesses, consumer applications, digital products, SaaS, streaming, or similar recurring-revenue settings.

• Exceptional attention to detail and proficiency in working with numbers daily.

🏝️ Benefits

• Opportunity for remote work.

• Highly competitive compensation based on experience, impact, and cultural fit.

• Chance to establish a crucial payment function from the ground up.

• Direct collaboration with the founders on a strategic company priority.

• Involvement in an international subscription business that has expanded 20x.

• Support for the development of new products and expansion into new markets.