Associate Director, Payments/Scheme Economics

About This Opportunity

Our talent team is representing a confidential fintech organization seeking an Associate Director, Payments/Scheme Economics in London. This is a high-impact role for a payments economics expert who will own the integrity, visibility and management of payment costs, starting with card scheme fees and interchange across major networks.

Reporting to senior finance leadership, you will serve as the subject matter expert on scheme economics, translating complex and rapidly changing network rules into accurate system configurations, financial outcomes and business decisions. You will ensure every payment cost is understood, accurately reflected across systems and financials, and that opportunities to improve payment economics are systematically identified as the organization scales.

Responsibilities

• Maintain deep expertise across scheme fees, interchange and network rules; interpret scheme bulletins, operating regulations and fee schedules, translating changes into clear financial, product and operational requirements
• Translate complex scheme rules into fee tables, eligibility criteria and transaction-level logic; partner with Product and Engineering to ensure cost calculation, allocation and customer billing accurately reflect current network rules
• Establish robust governance, testing and controls across scheme configurations; reconcile expected costs against actual network charges, identify anomalies and leakage, and drive root-cause resolution
• Develop robust models and analytics across markets, products, payment methods and transaction types, creating clear visibility into unit economics, margin drivers and cost movements
• Identify, quantify and execute opportunities to improve economics through transaction qualification, BIN routing, cost configuration and other optimization levers
• Translate underlying payment economics into recommendations for customer pricing, product design, new market launches and commercial strategy
• Partner with Product, Engineering and Data teams to strengthen cost engines, fee allocation logic, dashboards and automated controls
• Serve as the escalation point for scheme pricing, interchange and rule-related questions, working directly with payment network partners where required

What We're Looking For

• 7+ years of relevant experience in payments, acquiring, issuing, card networks, payment infrastructure or related roles, ideally within a global PSP, acquirer, scheme, issuer or fintech environment
• Deep knowledge of card payment economics, particularly Visa and Mastercard interchange, scheme fees, transaction qualification and network rules
• Strong ability to operationalize complex payment rules, translating fee schedules and network requirements into system logic, configurations and controls
• Experience with payment cost systems and controls, including interchange tables, scheme fee logic, BIN-based rules and transaction attributes
• Strong analytical and quantitative capabilities, including experience working with transaction-level data, economic modeling and reconciliation of expected versus actual payment costs
• Strong commercial judgment with the ability to connect detailed payment mechanics to pricing, product decisions and margin optimization
• 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 abilities, with experience working effectively across Product, Engineering, Finance, Data, Operations and external payment partners

How We Work With You

Candidates apply directly through Get A Job.ai. Our recruitment team will conduct an initial screening to understand your background and fit for this role. Qualified candidates will be submitted to our client for consideration. Please do not attempt to contact the client directly, as all communication and coordination will be managed through Get A Job.ai to ensure a professional and streamlined process.

Pay

Compensation details will be discussed during the screening process and are competitive with market rates for this level of expertise in the London fintech market.

Equal Opportunity: Get A Job.ai is committed to equal opportunity employment. We evaluate all candidates based on merit, qualifications and experience without regard to race, color, religion, sex, national origin, disability, veteran status, sexual orientation, gender identity or any other protected characteristic.