Senior / Team Lead Payment Manager

PayDo, a leading Electronic Money Institution (EMI) authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140+ countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, mass payment options, acquiring, open banking, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for modern online businesses.
We are looking for a proactive Senior Payment Manager / Team Lead  to oversee and optimize our payment operations.

As a Senior Payment Manager / Team Lead at PayDo, you’ll play a key role in optimising payment performance across different channels: banking, acquiring, alternative payment methods and debit card payments, with a strong focus on banking. Collaborating with business stakeholders and partnering financial institutions, you’ll implement payment solutions and drive efficiency while expanding our partner network.

Your Regular Tasks

• Payment Operations & Analytics:
  • Payment Tracking: Ensure all payments are monitored and tracked efficiently using available tools, and resolve any issues promptly
  • Collaborate with cross-functional teams (Key Account Management, Support, Finance, and IT) by providing updates, clarifications, and resolving payment-related issues
  • Address failed payments and delays, escalate complex issues when needed, and ensure proper documentation is maintained throughout the process
  • Take ownership of your respective Tableau dashboards to monitor the operations and performance of payment channels
  • Analyse payment data to track conversion, identify patterns, trends, anomalies, and other relevant metrics in Tableau
• Collaboration with Payment Providers:
  • Manage and maintain relationships with payment providers, banks, and financial institutions to improve system robustness
  • Evaluate and recommend new payment providers/methods that align with business goals
  • Assist in the onboarding process of new payment providers to expand our product offering (i.e. financial forecasts related to payment volume projections)
  • Collaborate with business stakeholders to understand and implement payment requirements and configurations
  • Conduct thorough testing of new/existing payment channels and collaborate with payment providers to resolve them
• SWIFT:
  • Work within Swift Alliance Cloud to check incoming/outgoing payments, payment queues, and configurations
  • Contact banking partners to verify whether the payment was received, delayed, or rejected
  • Use MT103 or UETR (for SWIFT GPI transactions) to track the payment’s status

Skills & Requirements:

• 3+ years of proven experience in payment operations or related roles within FinTech or Banking
• A proactive approach to driving initiatives and improvements is a must
• Strong understanding and experience working with the following payment rails: SWIFT, SEPA, SEPA Inst, SEPA DD, FPS.
• Knowledge of SWIFT Message Types such as MT/MX and understanding of transaction details in such messages (correspondent banks, amount, currency, sender, and recipient information, etc.)
• Experience working with SWIFT RMA and/or understanding of different SWIFT messaging services, such as FIN or FileAct, would be a big plus
• Experience working and communicating with different types of financial institutions (banks, fintechs, PSPs)
• Experience with Tableau, Power BI, or similar tools is a strong plus
• Comfortable working in Excel or Google Sheets, with the ability to analyse large datasets
• At least a general understanding of financial regulations and AML requirements
• Excellent communication skills to collaborate with both technical and non-technical teams
• Strong Problem-solving and Troubleshooting skills
• Advanced English

We work in a result-driven culture. You will fit in if you:

• Own your work with no excuses.
• Take initiative and act before being told.
• Deliver results that make a real impact.
• Solve problems quickly with practical solutions.

What we offer:

• Annual Learning & Development Budget – invest in your growth with dedicated funds for courses, training, and certifications.
• Regular Performance Reviews Based on KPIs – for your professional growth.
• Transparent career growth – with opportunities to achieve Head roles in 2 years and even C-level within 4 years, based on exceptional performance.
• Innovation Financial Rewards – share your ideas through our PayDo Ideas Hub and earn extra bonuses.
• Public Holidays tailored to your country’s calendar.
• Flexible Payout Options – PE accounts or popular e-wallets.

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!