Aylo Careers - Director, Payment Operations
Requirements
• Must-haves: • 8+ years of experience in payments, fintech, e-commerce, banking, or a related industry • 3+ years of senior leadership experience managing payments teams or setting payments strategy • Deep knowledge of the card payments ecosystem: acquirers, processors, gateways, PSPs, card networks, issuers, orchestration, tokenization, 3DS/SCA, chargebacks, fraud, and alternative payment methods • Proven track record managing processor relationships and negotiating commercial terms • Strong grasp of payment economics, including interchange, assessments, fees, reserves, and pricing structures • Strong analytical skills, with the ability to turn transaction-level data into business decisions • Experience with authorization improvement, routing, and payment experimentation • Experience working cross-functionally with Product and Engineering teams • Strong communication, negotiation, and stakeholder-management skills • Ability to balance strategy with hands-on work on complex operational and technical issues • Nice-to-haves: • Experience with multi-processor or multi-acquirer environments, payment orchestration, and intelligent routing • Experience in high-volume subscription, marketplace, e-commerce, or similarly complex payment environments • Experience operating across multiple countries and currencies • Knowledge of card-network rules and of regulatory, compliance, and risk requirements • Proficiency in SQL or similar analytical tools • Experience negotiating large-scale agreements with acquirers and processors
Responsibilities
• Execute the global payments strategy and roadmap, including processing, acquiring, payment methods, routing, and geographic expansion • Manage relationships with acquirers, processors, gateways, PSPs, and card networks, including selection, onboarding, contracts, and SLAs • Optimize multi-acquirer and multi-processor setups for redundancy, pricing, and global coverage • Drive higher authorization and approval rates by analyzing declines, retries, cascading, tokenization, and account updater performance • Develop intelligent routing strategies and run experimentation frameworks to measure the impact of changes • Own payment economics (interchange, assessments, processor fees, cross-border costs), negotiate rates and terms, and build financial models to evaluate partner proposals • Partner with Risk, Fraud, and Compliance to balance fraud prevention with approval rates, keep chargebacks within acceptable levels, and meet card-network rules • Ensure stable, resilient payment operations, with clear processes for incidents, outages, settlement issues, and reconciliation breaks, plus automation and change-management controls • Partner with Product and Engineering to define and deliver payment capabilities, and evaluate gateways, orchestration platforms, and alternative payment methods • Lead and develop the payments team, report on performance, risks, and priorities to senior leadership, and represent the company with banks, networks, and strategic partners
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