Senior Fiat Product Specialist (12 month contractor)

Responsibilities:

1. Channel Integration

• Evaluate and integrate PSPs, banks, and local payment schemes (e.g., SEPA, PIX, SPEl, Credit Card Payments). ie.
• Manage the end-to-end process from API integration to internal workflow design (routing, reconciliation, callbacks/idempotency, error codes, and state machines) with implementation and optimization.
• Coordinate canary releases, real-money validation, and success rate monitoring to ensure launch quality and stability.

2. Treasury Support

• Support global treasury operations: acquiring, settlement, hedging, and returns, through process design and productization.

3. Infrastructure Optimization

• Collaborate to build and optimize core capabilities such as user center and card management, channel routing, refund center, promotion center, and error code management, enhancing platform reusability and scalability.

4. Risk & Compliance Collaboration

• Work closely with Risk, Engineering, Compliance, and Operations teams to ensure stable operations and adherence to regulatory and reporting requirements.

Requirements:

• 3-6 years of product experience in payments, acquiring, cross-border settlement, aggregated payments, or open banking; strong understanding of global payment business priorities as well as local compliance requirements; prior experience in exchange or internet payment integration is preferred.
• Deep understanding of Credit Card Payments (authorization, clearing, chargebacks), open banking, and PSP integration processes; capable of standardized API integration design, with meticulous attention to interface interactions, state machines, and error code handling.
• Strong collaboration mindset and sense of ownership, able to proactively identify issues, drive execution, and ensure closed-loop reviews.
• Fluent Chinese and English as a working language, capable of handling vendor meetings, technical communications, and documentation writing.

岗位职责 / Responsibilities

• 渠道集成
• 评估并接入 PSP/银行/本地支付方案（SEPA、PIX、SPEI、Credit Card Payments 等）。
• 端到端管理从 API 对接 到 内部流程设计（路由、对账、回调/幂等、错误码与状态机）的落地与优化。
• 安排灰度发布、真金验证、成功率监控，保障上线质量与稳定性。
• 资金管理支持
• 支持全球资金管理：收单、资金结算、资金对冲、回款 流程设计与产品化。
• 基建优化
• 协同建设与优化 用户中心与卡管理、渠道路由、退款中心、优惠中心、错误码管理 等基础能力，提升平台可复用性与扩展性。
• 风控与合规协同
• 与 风控、研发、合规、运营 紧密协作，确保稳定运行并满足监管与报告要求。

任职要求 / Requirements

• 3–5 年 支付/收单/跨境结算/聚合支付/开放银行相关产品经验；理解全球支付业务关注点，理解区域合规业务关注点；交易所或互联网支付集成经验优先。
• 深刻理解 卡支付、开放银行与 PSP 接入流程；具备规范的 API 对接设计 能力，对 接口交互、状态机、错误码 精益求精。
• 具备良好 合作意识与项目 ownership，能主动识别问题、推动落地、闭环复盘。
• 中英文可作为工作语言，能进行供应商会议、技术沟通与文档撰写。