蚂蚁金服蚂蚁国际-Card Acquiring Product Manager (Success Rate)-国际产品

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。

Job title: Commercial Card Product Job Description: We are looking for a highly analytical Card Transaction Success Rate Optimization Specialist to focus on improving our BIN transaction success rates and optimizing card product performance across new industries. This position will be instrumental in identifying and implementing strategies to boost success rates in payment transactions, especially for emerging sectors. Key Responsibilities: - Analyse transaction data to identify patterns and issues that impact BIN transaction success rates. - Develop and implement strategies to optimize BIN transaction routing and approval rates. - Collaborate with acquiring banks, issuers, and card networks to resolve transaction failures and reduce decline rates. - Work closely with the product and engineering teams to enhance the transaction processing framework for new industries. - Monitor performance metrics and KPIs to ensure continuous improvement of transaction success rates. - Keep abreast of industry trends and emerging technologies to apply best practices for optimizing transaction flows. - Assist in scaling the card product solution for new industries by ensuring high transaction approval rates.

Build and foster relationships with senior executives in business, product, engineering, finance and tech within customers’ organization Drive overall account health including product development, payments performance, cost optimization, account renewals & growth, and customer satisfaction Support expansion of your customers, identify opportunities, drive business outcomes, and ensure customers are satisfied with Antom services Coordinate with internal cross-functional stakeholders (including financial institution business development, product, tech, legal, and compliance) to launch projects for customers Leverage industry knowledge to set account strategies, and execute deals and initiatives Manage strategic planning and negotiation/expansion with our customers Manage multiple stakeholders with varying priorities and drive creative solutions and commitment to a shared goal

• Manage existing and forge new card acquiring license application project and prepare related BRD. • Work with cross-functional teams especially in product, operations and sales to launch and operationalize card payment, take responsibility for card payment TPV. • Contribute to developing Antom’s card payments strategy. • Practice the Ant culture within the team, and build and empower talents.