Payments Optimisation Manager

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ACE.SG (Action Community for Entrepreneurship)

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2003

🛍️ eCommerce

💳 Fintech

🏦 Banking

eCommerce • Fintech • Banking

ACE. SG (Action Community for Entrepreneurship) is a global money transfer service that facilitates fast, secure, and easy online transactions for sending money internationally. With the ability to send money to over 100 countries, ACE aims to meet the diverse remittance needs of individuals and businesses alike. The platform prioritizes customer safety and satisfaction, implementing stringent security protocols and offering round-the-clock service for optimal convenience.

📋 Description

• Own transaction routing logic and acceptance rate performance across ACE's payment infrastructure • Design and maintain routing rules, analyse decline patterns, and drive continuous improvement • Work alongside analytics to identify opportunities and coordinate with technical teams to implement changes • Maintain clear documentation of all active routing rules, rationale, and measured performance • Own AR metrics across all active send markets and payment methods, with accountability for performance against targets • Analyse decline patterns and identify root causes across acquirer behaviour, issuer rules, scheme mandates, and technical factors • Produce evidence-based recommendations and present findings to senior leadership • Flag AR deterioration quickly and drive remediation through the relevant internal teams • Work with the analytics function to ensure performance data supports routing decisions • Serve as the internal subject matter expert on routing and AR, providing input to commercial negotiations and partner reviews • Feed performance insights back to the Head of PBI for leadership reporting and strategic decisions

🎯 Requirements

• 4 to 7 years in payments with direct exposure to transaction routing, acceptance rate management, or payment orchestration • Strong understanding of what drives and inhibits card acceptance — acquirer behaviour, issuer rules, scheme mandates, 3DS, technical configuration • Hands-on experience with a payment orchestration or routing platform • Able to translate performance data into clear, defensible business recommendations • Confident presenting routing logic and AR analysis to senior non-technical stakeholders • Cross-border payments or multi-corridor environment experience (Desirable) • Familiarity with scheme rules and interchange structures as they relate to routing (Desirable) • Exposure to decline recovery strategies (Desirable) • Background working across multiple acquirers simultaneously (Desirable)

🏖️ Benefits

• Five (5) days working - Saturday & Sunday OFF • Free Food Facility (Liaison Office - Kharian, Pakistan only) • Free official transport (Liaison Office - Kharian, Pakistan only) • Free Hostel/Executive Accommodation (Liaison Office - Kharian, Pakistan only) • Provident Fund (ACE all Pakistan Offices only) • Interest-Free Loans (ACE all Pakistan Offices only) • Advance salary facilitation (ACE all Pakistan Offices only) • Overtime (All ACE Offices across the Globe, as per policy) • Medical and Life Coverage (ACE all Pakistan Offices only) • Health Insurance (Overseas Offices) • Pension contributions (UK, Ireland, and Australia) • EOBI & PESSI (ACE all Pakistan Offices) • Night Shift Allowance (ACE all Pakistan Offices) • Annual Leaves (All ACE Offices across the Globe, as per policy) • Sick and Casual Leaves (ACE all Pakistan Offices) • Wedding Leaves (ACE all Pakistan Offices) • Umrah and Hajj Leaves (ACE all Pakistan Offices) • Bereavement Leaves (All ACE Offices across the Globe, as per policy)