Payments Operations Lead — Secure, Scalable & Resilient

ACE Money Transfer Limited; Lahore; On-site; PKR 2,000,000 - 2,800,000; Full time

Job summary

ACE Money Transfer is seeking a Payment Operations Manager in Lahore to oversee end-to-end payment processes, ensuring secure, efficient and compliant operations across pay-in and pay-out channels.

You will drive performance, governance and resilience, collaborating with internal teams and external partners to optimise routing, settlements and reporting. Onsite role in Lahore with exposure to EU/regulatory frameworks.

Qualifications

• Degree in Business, Finance, Operations Management or a related field.
• 5–8 years of experience in payment operations, payments or reconciliation roles within banking, fintech, PSP or remittance.
• Strong understanding of payment operations in a money transfer, fintech, PSP or financial services environment.
• Good knowledge of payment processing, reconciliation, settlement and provider reporting.
• Experience managing high-volume transaction flows, reconciliation and operational controls.
• Experience handling payment provider performance issues and optimising payment routing.
• Proven ability to analyse high-volume transaction data and turn insights into improvements.
• Experience managing external payment partners and their operational performance.
• Good understanding of regulatory, PCI and operational resilience expectations, including CBI guidance.
• Experience supporting audits, regulatory engagements and compliance reviews.

Responsibilities

• Oversee end-to-end payment processes across pay-in channels and settlements.
• Maintain strong controls across all payment flows and identify risks with mitigations.
• Act as escalation point for complex or high-risk payment operations issues.
• Analyze transaction trends, failure/decline patterns and provider performance to identify root causes.
• Build dashboards to track payment success rates, exceptions and provider performance by corridor.
• Present insights to senior management to improve payment performance and throughput.
• Collaborate with IT and Product to optimise routing, integrations and workflows.
• Monitor provider fees and processing costs for commercial and operational optimisation.
• Lead and coach team members working on payment processing and reconciliation.

Skills

Payment operations

Regulatory compliance

Risk management

Stakeholder management

Data analysis

Process improvement

Provider management

Education

Degree in Business/Finance/Operations

Tools

SQL

Excel

BI tools

Job description

ACE Money Transfer is seeking a Payment Operations Manager in Lahore to oversee end-to-end payment processes, ensuring secure, efficient and compliant operations across pay-in and pay-out channels.

You will drive performance, governance and resilience, collaborating with internal teams and external partners to optimise routing, settlements and reporting. Onsite role in Lahore with exposure to EU/regulatory frameworks.