Payment Gateways Specialist/ AM

acemoneytransfer; Lahore; On-site; PKR 1,800,000 - 3,000,000; Full time

Job summary

ACE Money Transfer is seeking a proactive Assistant Manager / Specialist to lead payment gateways and corridors. You will own performance, uptime, and strategic expansion of payment options across corridors, collaborating across operations, tech, and partnerships. Strong analytical skills and stakeholder influence are essential.

The role sits in Lahore, Pakistan, and requires 3-5 years in payments or fintech with a minimum graduation. A high-ownership role with cross-functional impact is offered.

Qualifications

• 3-5 years in payments operations, fintech, or cross-border remittance.
• Deep knowledge of payment gateways, card schemes, local APMs and corridors.
• Strong analytical skills to translate data into action.

Responsibilities

• Own end-to-end acceptance rates across corridors and gateways, with thresholds.
• Monitor gateway performance dashboards in real time and resolve degradation.
• Analyze declines and routing failures and implement fixes.
• Maintain gateway health scores, uptime, latency and dispute ratios.
• Lead integration lifecycle with new gateways and local APMs.

Skills

Payments operations

Gateway ecosystems

Data analysis

Leadership

Compliance awareness

Education

Bachelor's degree

Tools

REST API

SQL

Job description

Job Title

Assistant Manager / Specialist – Payment Gateways & Corridors

Department

Operations

Reporting To

Head of Operations / COO

Company Name

ACE Money Transfer

Location

Lahore

Employee Type

Full Time

Experience Required

3-5years in payments, fintech, or remittance operations

Qualification

Minimum Graduation

Role Overview

ACE Money Transfer is a leading global remittance company operating across multiple corridors with integrations to international payment gateways and local Alternative Payment Methods (APMs). We are looking for a leader to own and drive the performance of our entire payments infrastructure. This role sits at the intersection of operations, technology, and partnerships. The Assistant Manager / Specialist Payment Gateways & Corridors will be accountable for acceptance rates, gateway uptime, corridor health, and strategic expansion of payment options. This is a high-ownership position requiring deep domain expertise, strong analytical capability, and the ability to influence internal and external stakeholders at all levels.

Key Responsibilities

Gateway & Corridor Performance Management

• Own end-to-end acceptance rates across all active corridors and payment gateways; set and enforce minimum acceptance rate thresholds by corridor.
• Proactively monitor gateway performance dashboards in real time; identify and resolve degradation before it impacts customers.
• Conduct deep-dive analysis on transaction decline reasons - issuer declines, network errors, fraud blocks, and routing failures - and implement targeted fixes.
• Maintain a gateway health scorecard covering uptime, success rate, latency, and dispute ratio for each active integration.
• Manage and optimize payment routing logic to maximize success rates and minimize costs across gateways.

Integration & Technical Oversight

• Lead integration lifecycle from Operations for new payment gateways and local APMs.
• Collaborate with the cross functional teams to ensure robust, smooth gateway integrations with appropriate fallback mechanisms.
• Manage integration documentation, API change logs, and versioning to ensure business continuity during gateway upgrades.
• Evaluate and onboard new payment methods (wallets, real-time bank transfers, cash networks) in target markets to improve customer reach and corridor resilience.
• Define and enforce technical SLAs with gateway and APM partners.

Operations & Incident Management

• Act as escalation point for all payment-related issues; lead root cause analysis (RCA) and drive timely resolution with internal and external teams.
• Establish and maintain payment operations monitoring framework with defined escalation paths and response SLAs.
• Develop and maintain incident runbooks and standard operating procedures (SOPs) for common gateway failure scenarios.
• Ensure redundancy across pay-in options in all critical corridors to protect business continuity.
• Oversee settlement processes, reconciliation accuracy, and resolution of transaction discrepancies.

Data, Reporting & Analytics

• Design and maintain real-time and daily operational dashboards tracking KPIs: acceptance rate, decline rate by reason, gateway uptime, corridor-level performance, and cost per transaction.
• Produce weekly and monthly performance reports for senior leadership with actionable insights and improvement plans.
• Leverage transaction data to identify trends, seasonality impacts, and corridor-specific risks.
• Lead regular gateway and APM performance reviews with internal stakeholders; chair quarterly business reviews (QBRs) with key payment partners.

Partner & Vendor Management

• Serve as the primary operations relationship owner for all payment gateway and APM partners; manage escalations and SLA adherence.
• Negotiate commercial terms, pricing, and service levels with gateway partners to optimize cost and performance.
• Build and maintain a strategic operational pipeline of alternative gateway and APM partners for each corridor to reduce single-point-of-failure risk and work in collaboration with internal stakeholders.

Process Improvement & Automation

• Continuously identify and automate manual operational processes to reduce human error and improve scalability.
• Drive implementation of intelligent payment routing, retry logic, and dynamic gateway failover.
• Champion best practices in payments operations across the team; establish structured knowledge management and documentation standards.
• Lead or contribute to strategic projects (e.g., new market launches, major gateway migrations) as directed by leadership.

Compliance & Risk

• Work with the compliance team to manage fraud risk, transaction monitoring, and flagged payment resolution.
• Maintain audit trails for payment transactions, workflow changes, and partner communications.

Required Skills & Qualifications

• Experience: 3-5 years in payments operations, fintech, or cross-border remittance.
• Domain Knowledge: Deep understanding of payment gateway ecosystems, card schemes (Visa/Mastercard), local APMs, real-time payment rails, and remittance corridors is a plus.
• Technical Skills: API integrations, REST/JSON, payment gateway dashboards, SQL for data querying, basic understanding of tokenization and 3DS.
• Analytical Ability: Strong data analysis and reporting skills; ability to translate data into actionable operational decisions.
• Leadership: Proven ability to manage cross-functional teams and vendor relationships; experience in building and scaling payments operations teams.
• Compliance Awareness: Working knowledge of AML requirements, and financial regulatory compliance for cross-border payments.

ACE Money Transfer Profile: https://acemoneytransfer.com/company-profile