蚂蚁金服蚂蚁集团-收单服务运营-支付宝（中国）

1、负责对接包括淘天、支付宝、高德在内的电商生态交易场景，挖掘和洞察场景支付结算及综合金融需求，包括但不限于支付、账户、收单、资金清结算、担保及保理等，基于场景和商家需求设计综合金融解决方案并推动方案落地，为业务结果负责； 2、通过产品能力或解决方案拓展平台级大客户，推动合作达成并持续服务，发掘和创造客户价值； 3、联动和协同场景或客户运营团队，通过交易流程优化、数据分析、营销策划等，不断提升客户支付结算体验，助力场景繁荣； 4、鼓励业务创新，基于客户需求洞察推进创新产品孵化，通过产品、解决方案以及商业模式创新，不断推动业务发展。

1. 负责支付系统架构设计、核心模块开发及性能优化，保障高并发、高可用、低延迟的支付交易能力。 2. 跨部门协调资源，与产品、风控、财务、运营等部门紧密合作，推动支付项目高效落地。 3. 建立规范的研发流程和质量管理体系，确保项目按时交付并符合业务需求。 4. 监控支付系统运行状态，快速定位并解决技术故障，保障支付链路稳定性与资金安全。 5. 制定应急预案，防范支付欺诈、数据泄露等风险，确保业务连续性。

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、带领团队负责预付费产品的体系搭建与维护，包括但不限于收单、账户、支付、运营等系统，面向集团业务与外部客户提供服务； 2、带领团队在监管体系下，合规运营支付公司科技系统； 3、深入研究预付费行业，关注市场动态并进行竞品分析，研究用户行为，确保公司产品在业内的领先地位; 4、对电商、OTA行业用户支付行为、特性深入研究,把握客户深层需求，并制订相应解决方案。 5、对接来自事业部、财务、客服、市场、风控、客户等内外部关联方，提供运营咨询与业务配合； 6、熟悉金融技术及应用，管理支付公司、金融技术产品整个生命周期，定期制订产品线结合应用系统解决方案，对产品负责。