蚂蚁金服Ant International-Card Scheme Fee Rules & Billing Senior Analyst-Malaysia
任职要求
• Bachelor’s degree in Accounting/Finance/Statistics/Business/Actuarial or equivalent. • A minimum of 5 years in the payment processing industry with a strong understanding of card scheme fees will be an advantage • Excellent analytical and problem-solving skills, with motivation to find end-to-end solutions • Strong analytical skills with the ability to perform complex data analysis and interpret results. Proficient in the use of Excel and experience with SQL server and BI tools is a plus • Strong communication and coordination skills, characterized by structured thinking, a learning mindset, self-motivation, an optimistic and proactive to challenges • Excellent attention to detail and ability to work with complex datasets • Ability to meet tight deadlines in an evolving environment and sometimes shifting priorities • Proficiency in English, both spoken and written, as well as good command of Mandarin in terms of speaking, reading, and writing
工作职责
• Gather and analyze bulletins and release documentation published by the schemes and local alternative payment methods. • Deeply understand card scheme fee rules, and perform technical analysis to determine present and future impact of scheme fee and interchange fee updates. • Collaborate with various lines of business across the company to implement and communicate scheme fee updates impacting our business and our merchants. • Translate upcoming interchange and scheme fees updates into business requirements, and work closely with our development teams with implement these in pricing engine accurately and within deadline. • Perform fee reconciliation with Card scheme billing and invoice to ensure accuracy and evaluation of any discrepancies. • Monitors and analyzes cost performance of interchange and scheme fee, providing support on data analysis and report to management and relevant team. • Assist with performing impact analyses for merchant inquiries regarding their scheme fee expense, and perform analyses to identify scheme fee optimization opportunities for company and our merchants. • Work closely with the finance pricing function to provide technical expertise and guidance on developing new pricing strategies and mitigating pricing risks. • Participate in the development, optimization & documentation of business processes. • Other related duties assigned as needed.
• Perform fee reconciliation with card scheme billing and invoice to ensure accuracy and evaluation of any discrepancies. • Monitors and analyzes cost performance of interchange and scheme fee, providing support on data analysis. • Participate in the development, optimization & documentation of operational processes. • Other related duties assigned as needed.
1. Responsible for designing and building the general capacity of cross-border payments, including fund settlement/ fee reconciliation, promoting the innovation and transformation of system capabilities and continuous iterative optimization, outputting general solutions under proactively insight and customer demands refining 2. Responsible for upgrading and optimizing customer service related product and capabilities of cross-border payments 3. Maintaining a good cooperative relationship with BD,product and tech team, effectively promoting the implementation of product capabilities and obtaining results.
Responsible for Reconciliation of Funding Cost • Ensure the accuracy, timeliness, and system consistency of channel funding cost • Implement robust reconciliation mechanisms to align internal systems with external partner records. End-to-End Management of Channel Settlements • Oversee the full lifecycle of fee settlements between channel partners and the company, including invoice verification, payment requests, dispute resolution, and exception handling. • Proactively identify and escalate potential risks to mitigate financial discrepancies. Design and Execution of Standardized Reconciliation Reports • Develop and maintain standardized reconciliation frameworks, leveraging multidimensional data analysis to identify critical variances and latent risks. • Deliver insights to drive process improvements and risk mitigation strategies. Digital Transformation of Reconciliation and Settlement Processes • Drive innovation by exploring and implementing RPA (Robotic Process Automation) and AI-based reconciliation tools to enhance efficiency and reduce manual intervention. • Collaborate with technology teams to optimize digital workflows and system integrations. Support Business Cost Analysis with Data-Driven Insights • Generate visualized analytical reports to meet the funding cost analysis needs of front-end business units. • Propose actionable process optimization strategies and cost-reduction initiatives based on data trends.
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。