Head of Payments

We're looking for a Head of Payments who will drive revenue growth through payment infrastructure, billing logic, and optimization of the payment experience. It's a player-coach role: you'll dive into the architecture and work closely with the team to understand exactly how the payment system works end-to-end, staying hands-on enough that nothing is a black box. From there, you'll drive the company's growth into its next stage across Tier 1-2 markets - with full ownership of strategy, infrastructure, PSP and acquiring relationships, payment performance, risk, and payment economics. The infrastructure already exists, so the mandate isn't to start from zero: it's to take a working multi-PSP orchestration setup and grow it into a Billing-as-a-Service platform, with direct influence on how Payments looks as a mature business function. Responsibilities: Own and evolve the company's payment strategy, balancing revenue growth, retention, payment performance, and scalability Own the payment infrastructure end-to-end: multi-PSP setup, acquiring strategy, orchestration, routing, MID portfolio, and processing resilience Drive subscription billing performance - approval rate, renewal performance, failed payment recovery, and involuntary churn Manage PSP and acquirer relationships: onboarding, commercial negotiations, performance management, and escalations Own payment economics - processing cost, provider mix, and routing efficiency - balancing conversion, cost, and risk Manage the payment risk profile: fraud, chargebacks, refunds, disputes, and compliance with PSP/card scheme monitoring programs (VAMP, SMMP) Build Payments into a mature, self-sufficient function: team structure, ownership model, reporting, monitoring, and automation Partner cross-functionally with Product, Growth, Billing Engineering, Finance, and Legal on any initiative where payments affect revenue, scalability, or risk Lead and grow the Payments team, including introducing AI tools and automation into support workflows. What we look for: 5+ years of experience in payments, acquiring, billing, or payment operations on the merchant side, in B2C Hands-on experience with subscription payments: initial charges, renewals, retries, dunning, and failed payment recovery Experience building or significantly scaling multi-PSP/multi-acquirer infrastructure - routing, orchestration, cascading, failover, MID strategy Track record of direct PSP and acquirer negotiations: evaluation, onboarding, underwriting, commercial terms, and escalation management Demonstrated, quantifiable impact on approval rate, renewal rate, or recovery rate - able to walk through before/after numbers Strong understanding of payment risk: chargebacks, fraud, disputes, and card scheme monitoring programs Experience managing a team and building processes from the ground up Experience operating across international, multi-product/multi-entity setups Upper-Intermediate English or higher. We offer: Full ownership of the Payments function: strategy, infrastructure, PSPs/acquiring, payment performance, risk, and payment economics Direct impact on revenue, retention, and risk, with close collaboration with founders and C-level leadership High autonomy in decision-making: the freedom to choose approaches, prioritize initiatives, and shape the Payments roadmap The opportunity to build and scale the Payments function, evolving it into a mature, autonomous business unit A broad scope to scale payment infrastructure across multiple products, markets, legal entities, and PSPs, making the role both technically complex and strategically interesting Room to grow strategically: from hands-on ownership to driving provider strategy, market expansion, and payment unit economics.