Manager, Payments/Scheme Economics

The role

You will manage and improve the economics of card payments, focusing on scheme fees and interchange across Visa and Mastercard. You will turn network rules and payment data into accurate configurations, analysis and decisions that improve cost visibility and margin.

What you will do

• Own payment-cost analysis across scheme fees, interchange and network rules, and translate changes into clear requirements.
• Maintain accurate fee tables, eligibility criteria and transaction-level logic with Product and Engineering.
• Build models and reporting across markets, products, payment methods and transaction types to find margin drivers, anomalies and leakage.
• Support cost and margin optimisation through transaction qualification, BIN routing and cost configuration.
• Strengthen governance, testing and reconciliation by comparing expected costs with actual network charges.
• Partner with Finance, Product, Engineering, Data, Operations and external payment partners on scheme pricing and interchange questions.

Required qualifications

• Experience in payments, acquiring, issuing, card networks, payment infrastructure or a related role, ideally at 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 with payment-cost systems or controls, including interchange tables, scheme fee logic, BIN-based rules and transaction attributes.
• Strong analytical and quantitative skills, including 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 in managing complex rules where small errors have large financial impact.
• Strong cross-functional execution across Product, Engineering, Finance, Data, Operations and external payment partners.

Nice to have

• 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.

About the company

Airwallex is an AI-native financial operating system used by more than 675,000 businesses. It was founded in Melbourne in 2015, is co-headquartered in San Francisco and Singapore, and has more than 2,700 people across 27 offices.