滴滴Account Payment Operation-产品与用户运营实习生

Job DescriptionOversee and manage international payment partnerships to meet the payment service needs of Ctrip Group’s internal departments and subsidiaries, ensuring smooth project execution from initiation through implementation to go live.Deeply understand the cost structure of the payment channels you manage (including but not limited to scheme assessment fees, chargebacks, gateways, cross-border fees, etc.), and work on expanding and optimizing channel selection to reduce costs and improve ROI.Conduct research on local payment methods, understand leading local acquirers, and perform competitive analysis in the payment sector; identify consumer payment behavior diversity and industry trends.Maintain effective communication with stakeholders, understand overseas compliance and legal requirements, and plan reasonable fund routing, account setup, etc., for clearing and settlement in relevant markets.Collaborate with cross-functional teams, including Marketing, Data Analysis, Product, Finance, Tax, Legal, Compliance, and other internal stakeholders, to integrate and implement payment channels.Work closely with global partners within the group to ensure optimal payment service performance and user experience across regional markets.Manage the configuration and operation of coupons on the payment checkout page.Address and resolve issues for occasional customer complaints, settlement discrepancies, and transaction monitoring anomalies through timely communication with internal and external channels.Support ad-hoc tasks to facilitate the achievement of team goals.Qualifications4-5 years of proven experience in the cross-border payment industry, familiar with card scheme rules and acquiring rules, and knowledgeable about international payment solutions, APMs, and fintech; experience with international PSPs and acquiring bank partnerships is preferred.Excellent skills in business development, interpersonal communication, and product understanding, coupled with a strong ability to learn and a genuine enthusiasm for the payments industry.Familiar with payment industry optimization techniques, chargeback handling, and cost structures, and knowledgeable about transaction routing or payment risk control rules.High data sensitivity, capable of efficient data monitoring and cost analysis, and able to collaborate with product teams on payment success rates and conversion rate projects.A strategic problem solver with analytical and execution skills, and excellent communication skills in both English and Chinese; overseas work and study experience is preferred.Bachelor’s degree or above, with a preference for majors in finance, e-commerce, computer science, mathematics, or related fields. 中文/工作内容负责海外市场的收单合作，满足携程集团内部部门及子公司的海外收单服务需求，确保项目从立项到落地的顺利完成。深入理解所负责渠道的收单成本结构（包括但不限于费率、拒付、网关、跨境附加费等），拓展并优化通道选择，降低成本，提高ROI。调研当地市场主流支付方式，了解当地主流收单机构，进行支付方面的竞品分析；识别消费者支付行为的多样性及支付行业趋势。与合作伙伴保持积极有效沟通，了解境外合规法务环境，规划合理的资金路由、账户设置，以及相关区域的资金汇总、清结算、管理方案。与跨职能团队合作，包括营销、数据分析、产品、财务、税务、法务、合规及其他内部部门，负责支付渠道的整合与落地。与全球各地集团内公司伙伴密切合作，确保区域内各市场的支付服务性能和用户体验。支付渠道侧优惠券的运营配置如遇到客户投诉、清结算、TS监控发现异常等问题时，与内部和外部通道及时沟通解决。参与并支持潜在的临时性任务，以促进团队目标的实现。

1. 负责业务板块的应收、应付、损益、坏账计提等月结工作，保障月结的及时性与准确性； 2. 对接技术与产品，推动结算产品化，降低风险，提高效率； 3. 负责物流费用的收、付结算工作，管理应收应付健康度，完善工作流程，确保准确性和及时性 4. 与其他团队保持良好沟通和协作（如业务团队，BU财务，GL/Reporting团队，税务等），及时发现并跟进解决账务或结算问题； 1. Responsible for monthly settlement of accounts receivable, payable, profit and loss, bad debt provision and other related tasks in the business sector, ensuring the timeliness and accuracy of monthly settlement; 2. Integrate technology and products, promote the productization of settlement, reduce risks, and improve efficiency; 3. Responsible for the payment, and settlement of logistics expenses, managing the accounts receivable and payable, improving work processes, and ensuring accuracy and timeliness 4. Maintain good communication and collaboration with other teams (such as business team, BU finance, GL/Reporting team, tax, etc.), promptly identify and follow up on resolving accounting or settlement issues;

Here is the corrected and coherent version of the job description: About Us WorldFirst is a leading global payments platform dedicated to making international money transfer and commerce seamless and efficient for businesses worldwide. We leverage cutting-edge technology to break down financial borders and empower our customers to trade globally. The Role We are seeking a highly motivated and detail-oriented Business Growth and Operation Specialist to own and optimize the core user journey: account registration and onboarding for the WorldFirst platform. You will be the crucial bridge between our users, the product, and the business, ensuring that every new customer's first experience is smooth, successful, and sets the stage for long-term engagement. Your primary mission is to drive user acquisition and activation by making the sign-up process as efficient, clear, and user-friendly as possible, while ensuring compliance and security. Key Responsibilities 1. Onboarding Product Management & Optimization - Analyze user behavior data (funnel conversion, time-to-complete, drop-off rates) to identify key areas for improvement. - Collaborate with the Product team and UX/UI designers to propose, specify, and test new features and iterations to the onboarding process. - Collaborate with the Risk team to increase the success rate of account KYB verification, especially for the one-time success rate. - Collaborate with regional teams globally to incorporate region-specific needs. 2. Operational Excellence & User Support - Develop, maintain, and update help center articles, FAQs, and in-product guidance (tooltips, tutorials) for the registration process. - Serve as a subject matter expert for internal teams (Customer Support, Sales, Compliance) on onboarding-related queries and issues. - Monitor the onboarding funnel in real-time, proactively identifying and troubleshooting technical or usability issues that block users. - Manage and iterate on the user verification and KYC process, balancing user convenience with regulatory requirements. 3. Data Analysis & Reporting - Build and maintain dashboards to track key onboarding metrics (e.g., registration completion rate, verification success rate, time-to-first-transaction). - Generate regular reports on onboarding performance, providing actionable insights and recommendations to leadership and cross-functional partners. - Conduct A/B tests on UI copy, form fields, and process flow to optimize for conversion. 4. Cross-functional Collaboration - Work closely with the Compliance & Legal team to ensure the onboarding process adheres to all global and local regulations. - Partner with the Marketing team to ensure a seamless journey from ad click to fully onboarded user. - Liaise with Customer Support to understand common user issues and translate them into product improvements.

Headquartered in Singapore, Ant International powers the future of global commerce with digital innovation for everyone and every business to thrive. In close collaboration with partners, we support merchants of all sizes worldwide to realize their growth aspirations through a comprehensive range of tech-driven digital payment and financial services solutions. Responsibilities: - Strategic Partner Development: Strengthen and expand relationships with Ant International’s Strategic Wallet Partners across ASEAN. Identify their business needs, challenges, and opportunities for collaboration, ensuring alignment with their growth strategies. - Business Incubation: Champion the development and implementation of new business initiatives across different departments, driving impact through strategic projects that enhance partner engagement and value. - Contract Management: Lead the entire engagement process, from contract negotiation to execution. Coordinate and follow up with internal and cross-group business units to ensure smooth operations and successful partnership outcomes.