蚂蚁金服蚂蚁国际-资金渠道BD-Antom

1. 负责支付生态相关合作，通过产品或运营策略等方式撬动合作落地，并推动平台+渠道间的良性可持续合作 2. 匹配重点国家业务布局，持续提升本地化支付方式份额，制定市场推广合作计划，扩大本地用户影响力 3. 通过数据分析、市场调研、竞对分析等方式洞察用户支付行为，发现业务问题和机会，制定业务策略; 与内部相关团队、外部支付及金融机构有效协同，推进支付及资金解决方案落地并达成预期目标 4. 拓展数字支付产品与电商结合的业务场景，孵化新业务模式，制定创新业务运营策略，提升创新业务场景占比

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AE跨境资金结算链路的设计与搭建。 2. 拓展海外和跨境资金通道，牵头负责与境内外金融机构的商务合作，管理对手方风险。 3. 作为资金业务的PM，协同产/技/财/税/法等相关团队，确保项目顺利交付。

1. 负责全球电商平台的业务拓展，包括不限于北美，欧洲，亚太等综合电商平台、区域性电商平台和垂直类电商平台；作为业务负责人，承接包括商家拓展，资金渠道和产品需求对接等，对电商平台的整体业务负责。 2. 了解全球电商平台布局和生态体系，对中国跨境电商卖家的资金需求能深度探究，能够与跨境电商平台建立深层次联系，识别并推进更多项目合作机会。 3. 对全球各地区电商平台的结算币种有一定认知，对全球支付网络、各银行间合作和币种能力有一定了解。 4. 对跨境支付市场有一定理解，可以从多维度进行市场分析，例如监管环境、资金渠道，并进一步挖掘跨境支付业务机会、市场现状和发展趋势等。 5. 对行业友商进行调研分析，解决方案对比，梳理不同点，为客户提供更有竞争力，更能解决其痛点得综合解决方案，并能产品化落地成标准能力。 6. 能良好地与合规、法务、产品、技术等相关部门协同，调动业务相关的内部资源，输出满足客户需求的解决方案，快速完成项目落地。