Payments Optimisation Manager in Athens at ACE Money Transfer

Payments Optimisation Manager

Payments & Banking Infrastructure

Location	UK or EU (Remote)	Reports To	Head of Payments & Banking Infrastructure
Department	Payments & Banking Infrastructure	Contract	Full-time

The RoleYou will own transaction routing logic and acceptance rate performance across ACE's payment infrastructure. This means designing and maintaining routing rules, analysing decline patterns, and driving continuous improvement — working alongside analytics to identify opportunities and coordinating with technical teams to implement changes. The impact of this work is direct and measurable.What You Will OwnRouting Logic

• Design, maintain, and continuously improve transaction routing logic across ACE's payment infrastructure
• Translate performance data into routing decisions, accounting for acquirer behaviour, corridor characteristics, and cost
• Model the impact of proposed routing changes before implementation and monitor outcomes post-deployment
• Maintain clear documentation of all active routing rules, rationale, and measured performance

Acceptance Rate Performance

• Own AR metrics across all active send markets and payment methods, with accountability for performance against targets
• Analyse decline patterns and identify root causes across acquirer behaviour, issuer rules, scheme mandates, and technical factors
• Produce evidence-based recommendations and present findings to senior leadership
• Flag AR deterioration quickly and drive remediation through the relevant internal teams

Cross-functional Input

• Work with the analytics function to ensure performance data supports routing decisions — not to run operations
• Serve as the internal subject matter expert on routing and AR, providing input to commercial negotiations and partner reviews
• Feed performance insights back to the Head of PBI for leadership reporting and strategic decisions

What We Are Looking ForEssential

• 4 to 7 years in payments with direct exposure to transaction routing, acceptance rate management, or payment orchestration
• Strong understanding of what drives and inhibits card acceptance — acquirer behaviour, issuer rules, scheme mandates, 3DS, technical configuration
• Hands-on experience with a payment orchestration or routing platform
• Able to translate performance data into clear, defensible business recommendations
• Confident presenting routing logic and AR analysis to senior non-technical stakeholders

Desirable

• Cross-border payments or multi-corridor environment experience
• Familiarity with scheme rules and interchange structures as they relate to routing
• Exposure to decline recovery strategies
• Background working across multiple acquirers simultaneously

What We Offer

• Competitive salary and package aligned to experience
• High-ownership role with direct commercial impact in a growing international payments business
• Executive visibility and genuine scope to shape how performance optimisation is done at ACE

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