Card Acquiring Product Manager

WorldFirst; Bel-Air; On-site; EUR 50,000 - 70,000; Full time

Job summary

WorldFirst, located in Bel-Air, Andalucía, is seeking a skilled professional to design and optimize core card acquiring products. This role involves technical integration, compliance certification, and enhancing transaction success rates using algorithmic methods.

The ideal candidate will have a strong background in credit card products and machine learning, along with excellent communication skills in both Chinese and English. WorldFirst offers a collaborative work environment focused on innovation.

Qualifications

• 3–5 years of experience in credit card acquiring product design.
• Proficiency in international credit card products such as 3D Secure 2.0 and PCI-DSS compliance.
• Prior experience with card schemes and acquiring banks.

Responsibilities

• Lead design of card acquiring products and architecture.
• Optimize payment success rates through data-driven methodologies.
• Collaborate with cross-functional teams for requirement gathering.

Skills

Credit card acquiring product design

Data analysis

Machine learning techniques

Communication in Chinese and English

Education

Bachelor’s degree in Computer Science, Data Science, Finance, Business, or related field

Tools

SQL

Python

R

Excel

Job description

About the Company

Ant International’s Antom is a leading provider of payment processing services for merchants worldwide. Antom offers comprehensive, vertical-specific digital payment solutions tailored to meet the needs of merchants of all sizes. Currently, Antom supports merchants across over 40 countries and regions, providing access to hundreds of payment methods globally.

Description

Position at Ant Group

In addition to payment processing, Antom delivers digital marketing solutions through A+ Rewards—an adaptable marketing mini program/SDK integrated into e-wallets and payment apps. This platform enhances interactions between brands and customers, enabling global merchants to distribute a wide range of discounts to users of various digital payment platforms, ultimately helping them acquire and retain consumers.

Position Overview

You will be responsible for the design and iteration of core card acquiring products, deeply involved in technical integration and compliance certification with international card schemes (Visa, Mastercard, Amex, etc.). You will continuously optimize transaction success rates through data‑driven and algorithmic engineering approaches, and enhance the merchant standard integration interface to improve the merchant onboarding experience.

Responsibilities

• Standard Card Acquiring Product Design & Architecture: Lead the overall architectural design of standard card acquiring products, building a high‑availability, high‑success‑rate payment processing framework based on the technical specifications of international card schemes such as Visa and Mastercard.
• Design principles: deeply understand fundamental design principles of credit card payments, carrying out product framework design and application in accordance with international card scheme specifications, ensuring product leadership in technology, compliance, and user experience.
• Integration of new card schemes or acquiring channels: Lead the entire process of technical integration, sandbox testing, and compliance certification.
• Payment Success Rate Optimization: Design and drive implementation of optimization solutions for high‑frequency failure scenarios (e.g., specific BIN ranges, specific regions, specific banks), including smart routing strategy adjustments, 3DS verification flow optimization, and message format specification optimization.
• Algorithmic Engineering Application: Integrate machine learning algorithms (XGBoost, LightGBM) with payment business scenarios, collaborate with the algorithm team on feature engineering, model training, and deployment, develop an intelligent decision engine to enable dynamic transaction decision adjustments, and validate the business value of algorithm models through A/B testing.
• Merchant Integration Interface Optimization & Onboarding Experience Enhancement: Identify and optimize standard API integration documentation based on failed transaction analysis, continuously iterate the merchant onboarding process, improving documentation quality and usability.
• Cross‑Functional Collaboration & Requirements Management: Liaise with operations, sales, customer support, and other teams to gather and organize business requirements, prioritize product features based on data analysis and business value assessment, and collaborate with engineering, QA, risk control, algorithm, and other teams to ensure efficient delivery of product requirements.

Qualifications

• Bachelor’s degree or higher in Computer Science, Data Science, Finance, Business, or a related field.
• 3–5 years of experience in credit card acquiring product design. Proficiency in common international credit card products and standards such as 3D Secure 2.0, Tokenization, and PCI‑DSS compliance. Familiarity with the ISO 8583 message standard is a plus.
• Prior experience working with card schemes (Visa, Mastercard, UnionPay), acquiring banks, or third‑party acquiring institutions is preferred.
• Excellent communication skills in both Chinese and English, with the ability to effectively collaborate across engineering, risk control, algorithm, operations, and other teams.
• Full‑cycle experience in feature engineering and model deployment. Experience with machine learning techniques is preferred.
• Data‑driven mindset, accustomed to letting data speak and guide decisions. Proficiency in data analysis tools and technologies (SQL, Python, R, Excel) is preferred.

Nice to Have

• Experience designing smart routing systems or success rate optimization platforms.
• Experience building A/B testing platforms or designing experiments.
• Familiarity with acquiring products from international payment providers such as Fiuu, Stripe, Adyen, and Checkout.com.