Associate Director, Payments/Scheme Economics (Fintech)

Location: Amsterdam, Netherlands

Company

Airwallex provides unified payments and financial infrastructure for global businesses, including business accounts, payments, spend management, treasury, and embedded finance.

What you will do

• Own scheme economics, including Visa and Mastercard fees, interchange, network rules, bulletins, operating regulations, and fee schedules.
• Translate payment rules into fee tables, eligibility criteria, transaction-level logic, system configurations, and customer billing requirements.
• Establish governance, testing, reconciliations, and controls 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 involving transaction qualification, BIN routing, pricing, product design, and market launches.
• 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 fintech roles.
• Deep knowledge of card payment economics, especially Visa and Mastercard interchange, scheme fees, transaction qualification, and network rules.
• Experience translating fee schedules and network requirements into 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 payment costs.
• Strong commercial judgment, attention to detail, ownership, and cross-functional execution skills.

Culture & Benefits

• Work with a global financial platform serving more than 250,000 businesses.
• Collaborate with teams across Product, Engineering, Finance, Data, Operations, and external payment networks.
• Use AI and advanced analytics to accelerate rule interpretation, anomaly detection, and optimization.
• Operate in a high-ownership environment focused on impact, rigorous decision-making, and solving complex problems.