Associate Director, Payments/Scheme Economics (Fintech)

Location: Amsterdam or London

Company

Airwallex provides an integrated payments and financial platform for global businesses, covering accounts, payments, spend management, treasury, and embedded finance.

What you will do

• Own scheme economics, including Visa and Mastercard scheme fees, interchange, operating regulations, and network rules.
• Translate fee schedules and eligibility requirements into fee tables, transaction-level logic, system configurations, and customer billing rules.
• Establish governance, testing, controls, and reconciliation processes to identify payment-cost anomalies, leakage, and root causes.
• Build models, analytics, dashboards, and visibility into unit economics, margin drivers, and cost movements across markets and payment methods.
• Identify and execute cost and margin optimization opportunities through transaction qualification, BIN routing, and configuration improvements.
• Partner with Product, Engineering, Finance, Data, Operations, Commercial teams, Visa, Mastercard, and other payment partners.

Requirements

• 7+ years of relevant experience in payments, acquiring, issuing, card networks, payment infrastructure, or related roles.
• Deep knowledge of card payment economics, especially Visa and Mastercard interchange, scheme fees, transaction qualification, and network rules.
• Experience operationalizing payment rules through system logic, configurations, controls, interchange tables, scheme fee logic, or BIN-based rules.
• Strong analytical and quantitative skills, including transaction-level data analysis, economic modeling, and reconciliation of expected versus actual costs.
• Strong commercial judgment, attention to detail, ownership, and cross-functional execution skills.

Culture & Benefits

• Work on high-visibility payment and financial infrastructure problems at global scale.
• Collaborate with teams across Product, Engineering, Finance, Data, Operations, and external payment networks.
• Use AI and advanced analytics to accelerate rule interpretation, detect anomalies, and identify optimization opportunities.
• Operate in a fast-moving environment emphasizing ownership, curiosity, sound judgment, and end-to-end execution.