蚂蚁金服Ant International-Payment Channel Product Manager-Malaysia

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. We are seeking a Product Manager to support our International Product and Design Team for Ant globalization business. Job Description - Act as the payment expert/consultant for the product internally and externally, and as the primary contact for queries related to the product - Collaborate with different teams and stakeholders, project-manage the integration of payment channels onto the Alipay platform and overseas E2E development process from evaluating contracts to go-live - Understand, define and track product performance metrics and continuously enhance customer experience and performance - Translate business requirements into product requirement/ user stories - Ensure the development team understands the context and specifications to deliver a quality product within the timeline - Understand user mindset and behaviour through research, observation, data-mining, and E2E testing

1. Oversee the end-to-end lifecycle management of Standard Payment and Collection Product, including requirements analysis, product planning, solution design, and implementation. 2. Develop a deep understanding of cross-border clearing networks (e.g., SWIFT, SEPA, Fedwire) and design payment routing solutions that meet business growth needs while adhering to multi-jurisdictional regulatory requirements. 3. Build a global payment product framework, optimizing fund processing efficiency and cost structures, while improving settlement speed and cost transparency. 4. Collaborate with banks, clearing institutions, and third-party payment networks to establish a stable ecosystem of payment channel partnerships. 5. Continuously enhance product experiences through data analysis, support the operational team in building operational tools, and establish key metrics monitoring systems (e.g., success rates, timeliness, and cost rates).

1. Be responsible for the full life cycle management of in-store payment products, including product planning, product design, prodcut release, and subsequent iterative optimization，Design EMV-compliant terminal software (EMV & Tap-to-pay solutions), optimize transaction flows (sale, ,void, clearing, etc.), and ensure EMV L3 certification & PCI P2PE security standards. 2. Deeply understand users and markets, conduct market research and competitor analysis, define product positioning, product strategies, and product roadmaps, Analyze merchant needs, track market trends (e.g., contactless payments, QR payment, terminal operation), and manage & develop terminal operation tools. 3. Break down product structure and modules, analyze user stories, design product features & user experiences. 4. Work closely with internal and external teams & stakeholders, manage and drive product projects to ensure products are delivered on time and meet high-quality standards. Collaboration among terminal vendors, solution partners and security service suppliers, etc. 5. Participate customer delivery activities to verify products and ensure customer success. Such as payment routing solution & multi-channel integration management, etc. 6. Understand, define and track product performance metrics and continuously enhance customer experience and performance. Such as PSR optimize & Reducing merchant transaction costs.

Responsible for global merchant channel onboarding / registration operations supporting the lines of business: Antom (a leading provider of payment processing services to merchants worldwide via one-stop digital payment solutions) & Alipay+ (a suite of cross-border digital payment and digitalization technology solutions connecting global brands with mobile-savvy consumers worldwide) What you’ll do: • Work closely with stakeholders of Risk Management, Business Development, Account Manager, FI (Financial Institution) business, supporting the merchants’ registration and onboarding operations which is a very key business process before business go-live. Be the first point of contact for every merchant onboarding matter and closely work with various stakeholder teams to resolve any questions or issues from the merchant & business. • Be an internal product advocate, track product processes and contribute to the platform feedback and issues you get back from the merchants and lead the optimization on the operational product and process. • Manage all your daily operational work/projects productively within the agreed SLAs, adhere to the KYB/KYC requirements/guidelines and keep updating the best practices, leading the product and process optimization, driving better and more efficient onboarding experience. • Responsible for cross-functional collaboration with payment channel teams and risk control teams to ensure real-time onboarding requirement synchronization. Key duties include maintaining version-controlled SOP (standard operational process) documentation internally, conducting quality assurance including bi-weekly quality check/mitigation plan & daily case review. • Establish and maintain effective relationships within the all the stakeholders. • Communicate with payment channels via phone, email - where needed - to facilitate to provide a great onboarding experience from operational perspective.