Payments Optimisation ManagerPayments & Banking InfrastructureThe 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 LogicDesign, maintain, and continuously improve transaction routing logic across ACE's payment infrastructureTranslate performance data into routing decisions, accounting for acquirer behaviour, corridor characteristics, and costModel the impact of proposed routing changes before implementation and monitor outcomes post-deploymentMaintain clear documentation of all active routing rules, rationale, and measured performanceAcceptance Rate PerformanceOwn AR metrics across all active send markets and payment methods, with accountability for performance against targetsAnalyse decline patterns and identify root causes across acquirer behaviour, issuer rules, scheme mandates, and technical factorsProduce evidence-based recommendations and present findings to senior leadershipFlag AR deterioration quickly and drive remediation through the relevant internal teamsCross-functional InputWork with the analytics function to ensure performance data supports routing decisions — not to run operationsServe as the internal subject matter expert on routing and AR, providing input to commercial negotiations and partner reviewsFeed performance insights back to the Head of PBI for leadership reporting and strategic decisionsWhat We Are Looking ForEssential4 to 7 years in payments with direct exposure to transaction routing, acceptance rate management, or payment orchestrationStrong understanding of what drives and inhibits card acceptance — acquirer behaviour, issuer rules, scheme mandates, 3DS, technical configurationHands-on experience with a payment orchestration or routing platformAble to translate performance data into clear, defensible business recommendationsConfident presenting routing logic and AR analysis to senior non-technical stakeholdersDesirableCross-border payments or multi-corridor environment experienceFamiliarity with scheme rules and interchange structures as they relate to routingExposure to decline recovery strategiesBackground working across multiple acquirers simultaneouslyWhat We OfferCompetitive salary and package aligned to experienceHigh-ownership role with direct commercial impact in a growing international payments businessExecutive visibility and genuine scope to shape how performance optimisation is done at ACEACE Money Transfer:
https://acemoneytransfer.com/company-profileWHO WE ARE?ACE Money Transfer Limited is a UK-based multinational company with its headquarters in Manchester, United Kingdom. The company is an online remittance service provider for customers from the UK, Canada, Australia, and the European Union, including Switzerland.ACE Money Transfer Limited is part of the ACE group of companies, which has a diversified portfolio including digital wallet services in the UK and real estate, advertising businesses, and software solutions in Pakistan.WHAT DO WE OFFER?At ACE, we offer a variety of perks and benefits you won't find anywhere else.Five (5) days working - Saturday & Sunday OFF (All ACE Money Transfer offices accross the globe)Free Food Facility (Liaison Office - Kharian, Pakistan only)Free official transport (Liaison Office - Kharian, Pakistan only)Free Hostel/Executive Accommodation (Liaison Office - Kharian, Pakistan only)Provident Fund (ACE all Pakistan Offices only)Interest-Free Loans (ACE all Pakistan Offices only)Advance salary facilitation (ACE all Pakistan Offices only)Overtime (All ACE Offices across the Globe, as per policy)Medical and Life Coverage (ACE all Pakistan Offices only)Health Insurance (Overseas Offices)Pension contributions (UK, Ireland, and Australia)EOBI & PESSI (ACE all Pakistan Offices)Night Shift Allowance (ACE all Pakistan Offices)Annual Leaves (All ACE Offices across the Globe, as per policy)Sick and Casual Leaves (ACE all Pakistan Offices)Wedding Leaves (ACE all Pakistan Offices)Umrah and Hajj Leaves (ACE all Pakistan Offices)Bereavement Leaves (All ACE Offices across the Globe, as per policy)ACE Group has a strong culture of respect, knowledge sharing, innovation, and out-of-the-box thinking, as well as diversity and inclusion.Empowering Dreams, Enabling Success.Join ACE
