京东国际支付风控运营-拒付方向
任职要求
1.本科及以上学历，英语可以作为工作语言；
2.具备互金行业风险控制的经验，有国际支付风控相关工作经验者优先；
3.有跨部门协调沟通的能力，能和团队成员、负责人传达有效见解和建议；
4.以结果为导向，能适应…工作职责
1.熟悉卡组相关政策（拒付），对持卡用户有争议的交易进行调查、分析和归因定位； 2.有支付风控审核经验，了解Visa/Mastercard/Paypal/Klarna等渠道争议、拒付处理流程； 3.参与/主导拒付流程的建设，处理争议拒付的申诉及其流程优化，提升自动化处理水平，为结果负责； 4.跨团队沟通协调、收集申诉材料； 5.对数据敏感，对拒付数据进行统计和追踪。
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。
• 支付成功率提升：深入分析卡类交易失败原因（如 3DS 验证失败、风控拦截、发卡行拒付等），制定策略提升授权成功率； • 支付成本控制：精算卡支付的整体成本结构（费率、拒付、跨境附加费等），优化交易路由与通道选择，提升ROI； • 收单通道运营：评估现有收单机构表现，推动路由策略优化及新通道的拓展与接入； • 实时监控与问题响应：搭建异常监测机制，快速定位并协同解决系统或银行端异常，保障交易稳定性； • 数据分析与洞察：构建并维护交易成功率与成本模型，定期输出分析报告，支持管理层团队决策； • 政策合规与新技术探索：关注 PSD2、SCA 等欧美/亚太市场合规要求，探索 Tokenization、BIN 优化、智能路由等新技术在业务中的应用。
1、负责海外支付能力搭建，包括市场调研、产品规划和功能设计，如收银台、路由、风控等模块； 2、拓展支付通道，为用户提供本地化的卡\电子钱包等支付方式及便捷的支付体验； 3、持续跟进线上数据，优化收单成本\通过率\拒付率\用户体验\稳定性，等关键内容； 4、与运营、商务、合规、技术团队协同工作，确保海外支付产品持续稳健运营。
1. 负责1688国际跨境支付场景的产品规划及方案制定，包含交易链路、商户管理、产品运营等，建设全球银行/卡/钱包的支付能力和解决方案。 2. 基于集团内国际支付相关产品体系进行运营，制定清晰的运营策略，推进方案落地，并对目标教据负责。 3. 负责风险管理，识别和评估支付中的潜在风险，如欺诈、拒付等，制定相应的风险管理策略以确保安全和合规性。收集以及分析需求反馈，与产品，研发团队合作，推动风控产品落地，使风险可控。 4. 负责与内部各个团队协作，协调多方资源，优化用户支付体验，提升收单转化率和支付成功率。