Payments Economics Manager: Scheme Fees & Margin

Airwallex; Greater London; Hybrid; GBP 90,000 - 120,000; Full time

Job summary

Airwallex is seeking a skilled Financial Systems Analyst to optimize card-payment economics. You will own cost analyses, maintain fee tables, and build margin-focused models across markets and products from our London office.

You will join Finance & Corporate Development, collaborating with Product, Engineering, Data and external partners to improve pricing, governance and operational controls with founder-like energy and rigorous attention to detail.

Qualifications

• Experience in payments, acquiring, issuing, card networks, or a related role.
• Strong knowledge of card payment economics, Visa and Mastercard interchange, scheme fees.
• Experience translating complex payment rules into system logic, configurations and controls.
• Experience working with payment-cost systems or controls, including interchange tables, scheme fee logic, BIN-based rules.
• Strong analytical and quantitative capabilities with transaction-level data.
• Commercial judgment to connect payment mechanics to pricing and margin decisions.
• Excellent attention to detail and ownership managing complex rules.
• Strong cross-functional execution across Product, Engineering, Finance, Data, Operations and partners.
• Experience partnering with Visa, Mastercard or other networks.
• Experience applying AI or advanced analytics to rule interpretation or optimization.

Responsibilities

• Own payment-cost analysis across scheme fees and network rules, translating them into clear requirements.
• Maintain accurate fee tables, eligibility criteria and transaction logic with Product and Engineering.
• Build models and reporting across markets, products, and transaction types to identify margin drivers and opportunities.
• Support cost and margin optimization through transaction qualification, BIN routing, and related levers.
• Strengthen governance, testing, reconciliation and controls by comparing expected costs with actual charges.
• Partner with Finance, Product, Engineering, Data, Operations and external payment partners to resolve pricing questions.

Skills

Payments knowledge

Card networks

Analytical skills

Cross-functional collaboration

Data analysis

Commercial judgment

Attention to detail

Pricing understanding

Strategic thinking

Problem solving

Tools

Payment-cost systems

Interchange tables

BIN routing

Job description

Airwallex is seeking a skilled Financial Systems Analyst to optimize card-payment economics. You will own cost analyses, maintain fee tables, and build margin-focused models across markets and products from our London office.

You will join Finance & Corporate Development, collaborating with Product, Engineering, Data and external partners to improve pricing, governance and operational controls with founder-like energy and rigorous attention to detail.