Payments Lead

We’re looking for a Payments Lead to own our payment stack end-to-end and make it work better: higher approval rates, fewer failed renewals, cleaner data, fewer surprises.
 

The infrastructure is already live - a multi-PSP setup with orchestration on top - so this isn’t a build-from-zero role. It’s the opposite: the stack works, but it isn’t yet mature. Reconciliation, payment reporting, monitoring and incident management are only partly in place, and billing analytics is roughly halfway there. Bringing those to a mature, reliable state is the core of this role.

You’ll be the person who knows exactly how money moves through the system - which provider handled a transaction and why, where it failed, what it cost, and what to change. Payments is one of the four infrastructure functions the company scales on, so the work has direct, measurable weight on revenue.

Responsibilities:

• Own the payment infrastructure day to day: multi-PSP setup, orchestration, routing rules, cascading, failover, MID portfolio, processing resilience
• Drive subscription billing performance - approval rate, renewals, retries, dunning, failed payment recovery, involuntary churn
• Build out billing analytics together with the Data team: unified data sources, BI reporting that business unit leads can actually make decisions on
• Develop payment reporting, reconciliation, monitoring, alerting, and incident management into stable, repeatable processes 
• Own the payment risk profile in practice: chargebacks, fraud, refunds, disputes, and compliance with card scheme monitoring programs (VAMP, SMMP)
• Own day-to-day relationships with PSPs and acquirers: compliance requests, warnings, payouts, escalations - you collect the facts, you find the answer, you own the outcome
• Advise on provider strategy: which PSP setup fits which product and market, on what terms, where the risks are, and when it’s time to diversify
• Work with Billing Engineering on what gets built next, and write the requirements that make it buildable
• Partner with Product, Growth, Finance and Legal on anything where payments affect revenue, scalability or risk
• Bring automation and AI tooling into payment operations where it removes manual work.

What we look for:

• 3+ years in payments, acquiring, billing, or payment operations - merchant side, B2C subscription-based products 
• Hands-on experience managing the full recurring payment lifecycle in subscription-based products - from initial charges and recurring renewals to payment retries, dunning, and failed payment recovery
• Practical experience with multi-PSP infrastructure and orchestration: routing, cascading, failover, MID management - you’ve configured it, not just read about it
• Strong grasp of payment risk: chargebacks, fraud, disputes, decline codes, card scheme monitoring programs
• Comfortable in the data: able to build or specify payment reporting, work with analysts, and tell a real signal from noise
• Demonstrable impact on approval, renewal or recovery rate - able to walk through the before/after
• Understanding of how PSP selection and onboarding actually works: requirements, underwriting, commercial terms - even if someone else handled the paperwork
• Experience with Tier 1 markets, especially the US
• Experience across multiple products, entities or jurisdictions
• Upper-Intermediate English or higher.

Nice to have: people management experience is a plus.

We offer:

• Full ownership of the payment stack: infrastructure, performance, risk, and provider setup
• Direct, measurable impact on revenue - in a company where subscriptions are the only monetization model
• High autonomy: you decide how things get built, and you set the priorities within Payments
• A technically complex scope - multiple products, markets, legal entities and providers - with real engineering support behind it
• Close collaboration with founders and C-level; short decision chains, no layers to push through
• A clear path to Head of Payments as the function and the business scale.