Associate Director, Payments/Scheme Economics

Overview

In this role you drive the cost of payments for Airwallex, owning scheme economics and ensuring accurate reflection of costs across systems. You’ll work with Product, Engineering, Finance and external partners to optimize margins as we scale globally. You’ll translate complex network rules into actionable configurations, dashboards and strategies that support sustainable growth. The role combines deep domain expertise with cross‑functional collaboration to shape pricing, product decisions and market launches. This is a chance to impact the economics of global payments at a fast‑growing fintech.

Responsibilities

• Own scheme economics and rule interpretation across scheme fees, interchange and network rules
• Translate scheme updates into fee tables, eligibility criteria and transaction logic; collaborate with Product and Engineering on cost calculation and customer billing
• Maintain governance, testing and controls to protect cost integrity; reconcile expected vs actual charges and address anomalies
• Develop analytics and models to reveal unit economics and cost movements across markets and products
• Identify and execute opportunities to improve economics via transaction qualification, BIN routing, cost configuration
• Influence pricing, product design and market strategies with revenue/commerce teams to ensure sustainable margins
• Build scalable cost engines and dashboards; apply AI/analytics to speed rule interpretation and anomaly detection
• Serve as escalation point for scheme pricing questions with Visa, Mastercard and partners

Key requirements

• 7+ years in payments, acquiring/issuing, card networks or related roles
• Deep knowledge of Visa and Mastercard interchange and network rules
• Ability to translate complex payment rules into system logic and controls
• Experience with payment cost systems, including interchange tables and BIN-based rules
• Strong analytical and quantitative capabilities with transaction-level data and cost reconciliation
• Strong commercial judgment linking payment mechanics to pricing and margin optimization
• High attention to detail and ownership in managing complex rules
• Cross-functional collaboration across Product, Engineering, Finance, Data and external partners

• 跨职能协作
• 强分析能力
• 结果导向
• 卡支付经济学
• 互换/网络规则
• 成本引擎与费用分配逻辑

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