Manager, Payments/Scheme Economics

ABOUT AIRWALLEX Airwallex is the AI-native financial operating system for a real-time, intelligent economy. More than 675,000 businesses, including McLaren Racing, Qantas, SHEIN, and TikTok, use us, directly or through our platform partners, to run their financial operations or build and monetize financial products of their own. We started in Melbourne in 2015 to build the infrastructure global commerce runs on. We're the regulated backbone behind global payments: not by accident, but by design. A decade plus, 85+ licenses, and a financial infrastructure spanning North America, Europe, the Middle East, and Asia-Pacific. We're co-headquartered in San Francisco and Singapore, with more than 2,700 people across 27 offices. We hire builders with founder-level energy, people who move fast with good judgment, dig in with real curiosity, and make calls from first principles rather than waiting to be told what to do. Read our operating principles https://www.airwallex.com/en-us/operating-principles to see it in full. HOW YOU'LL MAKE IMPACT You’ll help Airwallex manage and improve the economics of card payments, with a focus on scheme fees and interchange across Visa and Mastercard. You’ll turn complex network rules and payment data into accurate configurations, actionable analysis and decisions that improve cost visibility and margin performance. - Own payment-cost analysis across scheme fees, interchange and network rules, identifying changes and translating them into clear financial, product and operational requirements. - Maintain accurate fee tables, eligibility criteria and transaction-level logic with Product and Engineering, ensuring payment-cost calculations and customer billing reflect current network rules. - Build models and reporting across markets, products, payment methods and transaction types to identify margin drivers, anomalies, leakage and opportunities to improve payment economics. - Support cost and margin optimisation through transaction qualification, BIN routing, cost configuration and related levers, contributing to pricing, product design, market launches and commercial decisions. - Strengthen governance, testing, reconciliation and controls by comparing expected costs with actual network charges and helping drive root-cause resolution. - Partner with Finance, Product, Engineering, Data, Operations and external payment partners to resolve scheme pricing, interchange and rule-related questions. You’ll work from our Amsterdam office three days a week. WHAT WE'RE LOOKING FOR Essentials - Experience in payments, acquiring, issuing, card networks, payment infrastructure or a related role, ideally within a global PSP, acquirer, scheme, issuer or fintech. - Strong knowledge of card payment economics, particularly Visa and Mastercard interchange, scheme fees, transaction qualification and network rules. - Experience translating complex payment rules, fee schedules or network requirements into system logic, configurations and controls. - Experience working with payment-cost systems or controls, including interchange tables, scheme fee logic, BIN-based rules, transaction attributes or similar payment configurations. - Strong analytical and quantitative capabilities, including experience working with transaction-level data, economic modelling and reconciliation of expected versus actual payment costs. - Commercial judgment and the ability to connect payment mechanics to pricing, product decisions and margin optimisation. - Exceptional attention to detail and ownership, with the discipline required to manage complex rules where small errors can create meaningful financial impact at scale. - Strong cross-functional execution, with the ability to work effectively across Product, Engineering, Finance, Data, Operations and external payment partners. Preferred - Experience partnering directly with Visa, Mastercard or other payment networks. - Experience applying AI or advanced analytics to rule interpretation, anomaly detection or payment-cost optimisation. YOU'LL THRIVE HERE IF - You own the outcome and you don't wait for permission to fix what's broken. - You're comfortable with ambiguity. Give you a problem, not a prescription, and you'll run with it. - You have experience at a fintech, payments company, or other highly regulated business. - You connect dots across functions and hold the big picture without losing grip on the details. - You say what you mean. You're direct, but you lead with respect. LEARN MORE ABOUT YOUR TEAM Finance & Corporate Development helps Airwallex grow with control. We’re a trusted partner to the business, providing actionable insights on performance, supporting market and product expansion and helping to shape the future of our product. We ensure that Airwallex meets its financial reporting, tax and safeguarding obligations globally. We work with existing and prospective investors to raise capital and ensure it is deployed effectively. This is a team for people who want to reimagine how the CFO office works. We’re looking for founder-like energy, high integrity and a passion for technology. You’ll thrive here if you enjoy working cross-functionally, think from first principles and can balance speed of execution with analytical precision. APPLICANT SAFETY POLICY: FRAUD AND THIRD-PARTY RECRUITERS To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com http://airwallex.com email address. Please apply only through careers.airwallex.com http://careers.airwallex.com or our official LinkedIn page. Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered