Director of Payments

Scalapay; Roma; In loco; EUR 80.000 - 110.000; Tempo pieno

Descrizione del lavoro

Una azienda fintech leader in Italia sta cercando un Director of Payments per guidare la strategia di pagamento e le operazioni commerciali. Il candidato ideale avrà più di 10 anni di esperienza nel campo dei pagamenti e capacità di ottimizzare costi e prestazioni nei rapporti con i fornitori. Questa posizione richiede forti competenze nella negoziazione e nella gestione del budget, oltre a una conoscenza approfondita dell'ecosistema bancario europeo. Un ambiente di lavoro stimolante e opportunità di crescita professionale sono garantiti.

Servizi

Opportunità di crescita professionale

Ambiente internazionale

Tecnologie avanzate

Competenze

• Esperienza nella gestione di budget di pagamento multi-milionari.
• Leadership in negoziazione di termini commerciali con fornitori di pagamento.
• Competenza nella valutazione delle tecnologie di pagamento emergenti.

Mansioni

• Definire e eseguire la strategia di pagamento per massimizzare i tassi di autorizzazione.
• Gestire le relazioni con i fornitori di pagamento e le negoziazioni commerciali.
• Guidare le decisioni strategiche sulle infrastrutture bancarie e sui rapporti corrispondenti.

Conoscenze

Negoziazione commerciale

Strategia di pagamento

Analisi economica

Gestione del budget

Conoscenza del mercato europeo

Formazione

10+ anni in pagamenti o servizi finanziari

5+ anni in ruoli strategici/ commerciali

Strumenti

Sistemi di pagamento

API di pagamento

Descrizione del lavoro

Descrizione dell’offerta di lavoro

At Scalapay, we’re shaping a culture with high standards, independent and critical thought, innovation, ownership, and continuous learning. We operate in a fast-moving, tech-driven environment, and we’re looking for people who thrive in change, think boldly, and take initiative. If you’re ready to put your potential to the test in a hiring process designed to spotlight exceptional talent, this is your chance to stand out and grow with one of Europe’s most ambitious fintech teams.

The Mission : Scalapay is a regulated Payment Institution providing Buy Now, Pay Later (BNPL) services across European markets. As a fast-growing fintech operating under strict compliance requirements (DORA, PCI-DSS, GDPR), we serve millions of customers and thousands of merchants across Italy, France, and other European countries.

The Director of Payments will lead Scalapay\'s payment strategy and commercial operations, driving optimization across our multi-processor payment infrastructure and banking relationships. Reporting to the CTO and having a matrix reporting relationship to the CEO of Scalapay IP (our regulated entity), this role will focus on payment economics, vendor negotiations, and strategic partnerships while collaborating closely with the Payment Domain engineering team. This is a strategic and commercial role focused on maximizing payment performance, minimizing costs, and building the financial infrastructure to support our consumer lending expansion.

Key Responsibilities

Payment Strategy & Economics

Define and execute payment strategy to maximize authorization rates while minimizing costs

Own payment economics including processor fees, interchange optimization, and cost attribution

Develop business cases and ROI analysis for payment initiatives and infrastructure investments

Lead strategic decisions on payment routing, processor selection, and payment method expansion

Drive payment performance analytics and KPI reporting to executive team

Identify and evaluate emerging payment technologies and market opportunities

Commercial Management & Negotiations

Lead commercial negotiations with payment processors on pricing, terms, and SLAs

Manage payment vendor relationships and contract renewals

Negotiate interchange fees, scheme fees, and processing rates

Build business cases for processor additions, changes, or consolidations

Drive cost optimization initiatives across payment stack (target : 5-10% reduction annually)

Establish and manage payment vendor governance and performance reviews

Core Banking & Settlement Strategy

Define merchant payout strategy leveraging SEPA rails and core banking platform

Optimize settlement economics including timing, costs, and working capital impact

Lead core banking platform vendor relationship and commercial optimization

Support loan securitization from a payment and settlement infrastructure perspective

Drive treasury efficiency through improved settlement processes and reconciliation

Partner with Finance on payment operations P&L management

Banking Relationships & Infrastructure

Build and maintain relationships with banking partners supporting SEPA operations

Lead strategic decisions on banking infrastructure and correspondent banking relationships

Support securitization facility requirements with robust payment reporting and operations

Navigate EU banking ecosystem (TARGET2, EBA Clearing) for optimal payment execution

Drive compliance with SEPA scheme rules and EU banking regulations

Represent Scalapay in banking industry forums and with financial institution partners

Stakeholder Management & Leadership

Partner with Product, Business, and Commercial teams on payment strategy alignment

Provide regular updates to CTO and executive team on payment performance and commercial opportunities

Represent payment function in board and investor discussions

Lead cross-functional initiatives requiring payment expertise (e.g., securitization, market expansion)

Communicate complex payment economics and trade-offs to non-technical stakeholders

Build internal knowledge and capability around payment operations and economics

Experience

Required Qualifications

10+ years in payments, fintech, or financial services with progressive responsibility

5+ years in strategic / commercial payment roles (payment strategy, vendor management, business development)

Proven track record leading commercial negotiations with payment processors and banking partners

Experience managing multi-million dollar payment budgets and P&L responsibility

Direct experience with regulated financial services environments (Payment Institution, Bank, EMI)

History of driving payment optimization and cost reduction initiatives

Experience supporting securitization or asset-backed lending operations (preferred)

Background in strategy consulting, investment banking, or corporate development (bonus)

Commercial & Strategic Expertise

Deep understanding of payment economics including interchange, scheme fees, and processing costs

Expert knowledge of payment processor commercial models and pricing structures

Strong financial acumen with ability to build business cases and ROI models

Experience with commercial negotiations and contract management

Understanding of banking relationships and correspondent banking arrangements

Knowledge of treasury operations and working capital optimization

Experience with vendor management and performance governance frameworks

Technical Understanding (Strategic Level)

Strong grasp of payment processing architecture, card networks, and payment orchestration

Understanding of payment security standards (PCI-DSS, 3DS, tokenization) and regulatory implications

Familiarity with payment APIs, integration patterns, and processor capabilities

Knowledge of core banking platforms and loan servicing systems architecture

SEPA payment expertise including SEPA Credit Transfer (SCT), Instant SEPA (SCT Inst), and Direct Debit (SDD)

Understanding of loan securitization processes and technical requirements for asset-backed facilities

Knowledge of ISO 20022 messaging standards and EU banking infrastructure

Ability to evaluate technical trade-offs and provide strategic direction (hands-on engineering not required)

Leadership & Influence Skills

Strong executive presence with ability to influence senior stakeholders and board members

Excellent negotiation skills with track record of securing favorable commercial terms

Strategic thinking with ability to connect payment decisions to business outcomes

Data-driven decision making with strong analytical and financial modeling capabilities

Comfortable with ambiguity and rapid change in high-growth environment

Collaborative leadership style with ability to work effectively across functions

Strong business acumen and commercial instincts

Ability to build and maintain relationships with external partners (processors, banks, vendors)

European Market Knowledge

Understanding of European payment landscape and local payment methods

Deep knowledge of SEPA scheme rules and EU banking ecosystem (TARGET2, EBA Clearing)

Familiarity with European financial services regulation

Experience working with Banque de France, PRA, or similar regulators (preferred)

Understanding of securitization frameworks and asset-backed lending structures in EU

Language skills : English required, Italian or French preferred

Why you should join Scalapay :

International environment with significant challenges to be met every day

Lots of opportunities to work with a team of industry leaders who are focused on delivering products that offer exceptional user experiences

Personalised support to accelerate your professional growth and take ownership of the products you deliver : we want to help you grow!

Latest technologies and being encouraged to bring your flair to the role.

Recruitment process :

A chat with someone from our Talent Team

First interview with the CTO to deep dive into your experiences, better understand your motivation and explore your business acumen in the product world

A case study to prepare at home to test your hard skills, and present to our team.

A final chat with Simone, our CEO, that will share our vision and values with you

Want to learn more? Don’t hesitate to explore our Careers website, our LinkedIn and Glassdoor pages.

Pro tip : send your CV in English.

Super Pro tip : we know that application processes can be scary and frustrating but… we look for talent, not people that tick all our boxes.

We believe in the power of diversity : Scalapay is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.

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