Director, Payment Operations

Aylo Careers

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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

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

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

As an equal opportunity employer, we celebrate diversity and are committed to creating an inclusive environment for all employees
In this role you may be exposed to adult content