Payment Operations & Routing Manager

TodaPay is an international fintech company operating in the digital payments and financial infrastructure space across multiple jurisdictions. We support high-growth payment operations with multi-currency transactions, crypto payments, and complex corporate structures.

The Payment Operations & Routing Manager is responsible for the efficient and uninterrupted operation of our payment network: MID limits, traffic distribution across checkout pages and providers, GEO routing, cascades, traffic launches, and response to technical incidents. The role covers card acquiring, alternative payment methods (APMs), payouts, and crypto channels. The goal is to maximize approval rate and processing stability while operating strictly within risk constraints.

Responsibilities

• Monitor and distribute daily, monthly, and per-transaction limits across acquiring MIDs; proactively rebalance volumes to avoid limit breaches.
• Create and track tasks for the technical team to set, adjust, or remove limits on providers and terminals.
• Plan and split traffic across MIDs linked to showcases/checkout pages; balance load to avoid conversion drops and anomalous spikes.
• Prepare and run traffic launches: brief front-end and showcase teams, verify payment form readiness and cascades, monitor approval rate and errors after launch.
• Configure and monitor GEO routing and cascades; match card BINs and user GEOs to the most efficient MIDs and providers, increasing local-to-local routing.
• Monitor approval rate in real time, detect conversion drops by provider, method, and showcase, and switch traffic to backup MIDs during incidents according to the approved emergency procedure.
• Run post-incident reviews: cause, duration, losses, and actions taken.
• Recommend cascade and provider changes to BizDev to improve merchant conversion; control the agreed FTD/TD traffic split.
• Maintain the routing plan and a complete change log (what changed, when, why, who initiated and executed, and the actual effect).
• Prepare daily, weekly, and monthly reports on approval rate, limit usage, incidents, and network performance, with optimization proposals.
• Work within the restrictions set by the risk team and the approved policy; routing changes never go beyond the risk constraints registry.

Requirements

• Hands-on experience in payment operations, routing, or account management at a PSP or acquirer; high-risk processing is a plus.
• Understanding of MIDs, cascading, BIN/GEO routing, 3DS, and the factors that influence approval rate.
• Experience working with checkout pages and payment forms, and collaborating with front-end and product teams.
• Confident use of Excel/Google Sheets and Jira; SQL and BI tools are a plus.
• Experience creating and maintaining a change log for routing, limits, or payment system settings.
• Ability to make fast decisions during incidents and work in real time.
• English at B2 (Upper-Intermediate) or higher for working with documentation, providers, and acquirers.
  
  We offer 
• Opportunity to work in a fast-growing international fintech company
• Professional growth opportunities alongside with company
• 24 paid vacation days per year and 5 paid sick leave days per year
• 10 Public holidays days
• An opportunity to work full remote or hybrid flexibility
• Collaborative and friendly team
• Professional education budget after 6 months working in the company
• Birthday gift bonus for all our employees