Payment Process Optimizer

4 days ago

Gujrat, Punjab, Pakistan beBee Careers Full time
Optimize Payment Processes

About the Role:

  • We are seeking a detail-oriented and proactive Payments Analyst to join our Operations team.

The successful candidate will be responsible for enhancing payment workflows, improving transaction success rates, reducing declines, and ensuring seamless processing of customer payments.

Main Responsibilities:
  • Monitor and analyze transaction data across card and Open Banking payments to identify acceptance trends, failure points, and areas for improvement.
  • Optimize payment routing and acquirer selection, including Open Banking payment initiation service providers, to maximize acceptance rates and reduce transaction costs.
  • Manage acquirer and PISP redundancies, enabling smart switching based on real-time performance data to ensure high availability and reliability.
  • Investigate and resolve payment issues in collaboration with Product, Tech, and Payment Service Providers, including Open Banking aggregators and issuers as required.
  • Conduct root cause analysis on failed, declined, or dropped transactions—both card and Open Banking—and implement corrective actions with internal and external stakeholders.
  • Develop and maintain real-time dashboards and reporting for key performance indicators such as acceptance rate, acquirer/PISP uptime, error codes, and retry success.
  • Continuously improve and automate payment workflows to reduce manual interventions and support scalability across both traditional and Open Banking payment channels.
  • Track industry trends and regulatory developments in card payments, Open Banking, and real-time payment schemes to ensure compliance and competitiveness.
  • Support incident response efforts for payment-related issues, providing clear internal communication and liaising with partners to ensure rapid resolution.
  • Maintain thorough documentation of workflows, acquirer/PISP configurations, payment logic, and ongoing enhancements for internal visibility and audit readiness.
Key Qualifications:
  • Bachelor's degree in Business, Engineering, Computer Science, or a related field.
  • Minimum 3 years of experience in payments, fintech, banking operations, or a related field, especially with payment flows and card payments.
  • Strong analytical and problem-solving skills; proficiency in Excel, SQL, or BI tools for data analysis.
  • Hands-on experience with payment platforms, PSPs, and banking APIs.
  • Sound understanding of payment authorization flows, fraud detection, risk controls, and compliance.
  • Excellent interpersonal and communication skills, with a demonstrated ability to work cross-functionally and with external stakeholders.
  • Proactive and self-driven, with a continuous improvement mindset.
  • Experience in a fast-paced tech, fintech, or e-commerce environment.
  • Familiarity with payment industry standards such as 3DS, Chargebacks, Gateways, and Issuer/Acquirer processes.
  • Knowledge of Project Management Tools.

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