Cape Town: Payment Manager posted by The Good Human (Pty)Ltd

Job Purpose: Payment Manager is responsible to lead and oversee the company’s end-to-end payment operations, ensuring secure, efficient and scalable payment solutions across markets, while driving strategic initiatives, optimising performance, mitigating risks and delivering a seamless customer experience.

Job Scope/ Responsibilities:

Lead and manage the end-to-end payment function, driving payment strategy, partner selection, process optimisation, risk mitigation and regulatory compliance across multiple markets.

Oversee cross-functional teams and stakeholders, ensuring efficient payment operations, performance monitoring and actionable insights to support business growth and scalable, secure payment solutions.

Conduct in-depth assessments of payment landscapes in various markets to determine preferred methods, infrastructure capabilities and regulatory constraint.

Recommend payment solutions aligned with customer needs, business models and expansion plans.

Track emerging trends in digital payments, fintech innovation and regulatory changes that may impact business operations.

Identify, compare and evaluate potential payment service providers, acquirers and gateways based on reliability, cost, conversion rates, settlement cycles and integration complexity.

Lead the selection and onboarding of new payment partners to support product launches or market expansion

Collaborate with Product and IT teams to integrate new payment methods and optimise transaction routing

Work with the insights team to constantly analyse the performance of payment methods to ensure they are working efficiently.

Frequently report on the analytics of each payment method and reasons for their relative performance metrics.

Ensure payment systems operate with high uptime, strong authorisation rates and minimal transaction failures.

Continuously refine payment flows to improve customer experience and reduce friction.

Identify and monitor payment-related risks, including fraud, chargebacks, regulatory non-compliance and operational failures.

Work with Payment Processing teams to enforce AML/KYC requirements, data security standards and local regulatory frameworks.

Implement or enhance fraud detection tools, rules and monitoring processes.

Support commercial negotiations with payment service providers and vendors, ensuring favourable pricing, SLAs and service agreements.

Maintain strong relationships with payment partners and escalate issues to ensure timely resolution.

Evaluate payment service providers performance regularly and recommend optimisation or replacement when needed.

Analyse transaction data to identify trends, measure performance and provide insights that support commercial and operational decisions.

Use data to recommend improvements to payment routing, risk filters, and provider configurations.

Identify opportunities to reduce payment-related costs through improved routing, fee negotiations or alternative payment methods.

Streamline internal payment workflows, dispute processes and reconciliation activities.

Standardise payment practices across markets for scalability and efficiency.

Partner with Processing teams to resolve payment issues and enhance troubleshooting processes.

Work with Finance teams to ensure accurate reconciliation, settlement tracking and dispute handling.

Support Product Marketing and Growth teams with insights on local payment preferences and conversion barriers.

Create SOPs to sustainably manage the E-Payments area, its team, its responsibilities, its key stakeholders and all areas which pertain to the department.

Manage the payment processing team, fostering a high-performing, collaborative culture while driving accountability and professional development.

Qualifications:

B degree in Business/Finance/Information Systems or related field.

Experience:

8-10 years experience in digital payments, fintech, banking, e-commerce or financial operations

Experience working with payment gateways, PSPs, acquirers, or digital wallet providers for both Crypto and Fiat currencies.

Exposure to regulatory environments and compliance functions (e.g., AML, KYC, PCI)