蚂蚁金服Ant International-Card Acquiring Business Operation Specialist-Antom Payment Capability CoC

Join Alipay+ Central Ops CoC  - the core team for Alipay+ business daily operations. You are expected to work closely with BD, product, tech, funding, risk, branding, legal etc. teams, to ensure that Alipay+ business rules and standards are observed, hence enabling the efficiency and sustainability during continuous business expansion. Regular reporting to senior management is needed. If you have payment industry working experience, are keen to gain a bigger picture and want to become an industry expert in global payment processing, you are an ideal candidate! Here is a brief summary of your key tasks: - Business model design: understand emerging business scenarios, conduct industry landscape analysis, and formulate a sound model to achieve a balance among rights, obligations and business values for all parties in the business flow. - Business support: design the business policy to support the regional BD teams to achieve the business goal. As the payment business expert, manage the business plan of core operation product. Fully understand the rules, product and can provide training and support to BD team. - Business project management: work with relevant teams to provide assessments and solutions that are in line with industry and regulatory practices. Project management as the key driver of the key project or product.

业绩驱动：通过新签客户，已有客户的API精细化运营，实现wholesale酒店供应商业务的业绩目标； 高质量服务：监控供应商服务表现，通过双方合作流程和平台提供的武器库，保障酒店供应商在携程达到较高的服务质量； 客户管理：能及时甄别供应商API直连异常/卡点问题，能在客户管理后台、结算等流程上有效够调动各方资源。结合平台数据，为核心客户制定高质量增长方案，实现客户在携程的可持续增长；区域深耕：通过所负责的客户，撬动对应海外区域酒店的库存和价格覆盖，为携程出境和海外客人提供更多住宿选择。

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. 负责海外收单和支付业务的大客户技术支持（TAM）工作，维护与客户的关系链，处理客户日常技术咨询。具备独立进行技术问题排查与分析的能力，能够提供符合客户需求的技术服务解决方案。 2. 建立客户、业务、产品以及研发的快速响应通道，反馈并推动现有商户门户及内部平台的建设与优化，包括但不限于监控体系和商户画像等。能够提前发现问题或通过类比推理，提升服务的效率与质量，增强客户的满意度。 3. 梳理产品投诉及用户体验问题，进行归纳分析，形成产品与技术改进建议，并推动优化的实施。能够针对特定问题进行专项建设，系统化地解决业务痛点，例如提升支付成功率和缩短支付耗时。 4. 结合大客户支持工作的积累，探索技术服务的商业化创新途径。 1. Responsible for providing technical support (TAM) for KA clients in overseas acquiring and payment business, maintaining relationships with clients, and handling daily technical inquiries. Possess the ability to independently troubleshoot and analyze technical issues, and provide tailored technical solutions. 2. Establish a rapid response channel among clients, business, products, and developer, and provide feedback to promote the construction and optimization of existing merchant portals and internal platforms, including but not limited to monitoring systems and merchant profiles. Capable of proactively identifying issues or using analogy reasoning to enhance the efficiency and quality of services, thereby improving client satisfaction. 3. Compile product complaints and user experience issues, conduct summarization and analysis, generate product and technical improvement suggestions, and drive the implementation of optimizations. Able to undertake specialized initiatives to systematically address business pain points, such as improving payment success rates and reducing payment processing times. 4. Explore innovative commercial avenues for technical services based on the accumulated experience from KA client support work.