Associate Director, Payments/Scheme Economics

Own scheme economics and rule interpretation: Maintain deep expertise across scheme fees, interchange and network rules. Interpret scheme bulletins, operating regulations and fee schedules, translating changes into clear financial, product and operational requirements.

Ensure accurate payment cost configuration: Translate complex scheme rules into fee tables, eligibility criteria and transaction-level logic. Partner with Product and Engineering to ensure cost calculation, allocation and customer billing accurately reflect current network rules across markets and payment flows.

Protect payment cost integrity: Establish robust governance, testing and controls across scheme configurations. Reconcile expected costs against actual network charges, identify anomalies and leakage, and drive root-cause resolution.

Build granular visibility into payment economics: Develop robust models and analytics across markets, products, payment methods and transaction types, creating a clear view of unit economics, margin drivers and cost movements.

Drive structural cost and margin optimization: Identify, quantify and execute opportunities to improve economics through transaction qualification, BIN routing, cost configuration, and other levers. Partner with Product, Finance and Commercial teams to prioritize the highest-value opportunities.

Shape pricing and commercial decisions: Translate underlying payment economics into recommendations for customer pricing, product design, new market launches and commercial strategy, ensuring growth is supported by sustainable unit economics.

Build scalable infrastructure and automation: Partner with Product, Engineering, and Data teams to strengthen cost engines, fee allocation logic, dashboards and automated controls. Apply AI and advanced analytics to accelerate rule interpretation, detect anomalies and surface optimization opportunities.

Own complex scheme economics issues: Serve as the escalation point for scheme pricing, interchange and rule-related questions, working directly with Visa, Mastercard and other payment partners where required.