Head of Payments

As Head of Payments, you will own and drive our global payments strategy, ensuring our payment infrastructure supports business growth while delivering a seamless, reliable, and cost-effective experience for customers. You will be responsible for optimising payment performance, expanding our payment capabilities, and building the frameworks, processes, and team needed to scale efficiently.

Key Responsibilities

• Develop and execute the company's payments strategy, aligning payment operations, provider relationships, and infrastructure with broader business objectives and growth plans.

• Own and continuously optimise our payments ecosystem, including payment service providers (PSPs), digital wallets, card processing, bank transfers, and alternative payment methods.

• Review and improve payments UI/UX as a product, identifying opportunities to reduce friction, increase conversion, and improve the overall customer payment experience.

• Optimise payment routing logic and provider performance to maximise approval rates while minimising processing costs across all key markets.

• Monitor payment performance at a PSP, issuer, and market level, identifying opportunities to improve rates, reduce declines, and increase payment reliability.

• Define and maintain the optimal provider mix for each market by balancing approval rates, processing fees, settlement structures, reliability, and customer preferences.

• Lead negotiations with PSPs, financial institutions, and payment partners to secure favourable commercial terms, lower costs, and improved service levels.

• Identify opportunities to reduce foreign exchange and settlement costs through local acquiring, alternative settlement structures, and provider optimisation.

• Take ownership of new PSP evaluations and integrations, ensuring successful implementation and ongoing performance management.

• Drive the payments localisation roadmap, including the rollout of local payment methods, local acquiring solutions, and market-specific optimisations as we expand into new territories.

• Build and maintain a payments performance framework, providing clear reporting and insights on approval rates, costs, routing effectiveness, provider performance, and overall payment health.

• Partner closely with Product, Tech, Finance, Operations, and Customer Support teams to deliver payments-related initiatives and improve payment functionality across both customer-facing and backend systems.

• Assist with strategic initiatives such as Project TrustFlow, leveraging payments expertise to design secure internal payment flows and reduce operational and financial risk exposure.

• Ensure compliance with relevant payment regulations and industry standards, including oversight of audits and security requirements where applicable.

• Establish scalable processes, documentation, and operational controls to improve efficiency, reduce key-person dependencies, and support future growth.

• Act as the company's primary subject matter expert for all payments-related matters, providing guidance and leadership across the organisation.

• Lead, mentor, and develop the payments function, including managing team members, defining clear ownership areas, setting measurable goals, and supporting long-term career development.

Success in this role will be measured through:

• Increased payment approval and conversion rates across key markets.

• Reduced payment processing and foreign exchange costs.

• Improved routing effectiveness, provider performance, and overall payment reliability.

• Successful launch of new payment methods, PSP integrations, and localisation initiatives.

• Strong commercial outcomes from provider negotiations and partnerships.

• Improved visibility through robust payments reporting and performance metrics.

• Development of a scalable, well-documented payments function with clear ownership and accountability.

• Growth and development of the payments team, creating a strong foundation for future expansion.