Business Development Manager

Key Responsibilities:

• Conduct in-depth research and integration of payment capabilities from banks, third-party payment service providers, and clearing institutions (e.g., online banking, local collections/disbursements, cross-border payments).
• Analyze each channel’s interface capabilities, fee structure, settlement cycle, and technical constraints.
• Select and plan high-efficiency payment channel strategies to enhance success rates and optimize cost structures.
• Establish and maintain strong relationships with banks and licensed payment institutions.
• Lead business negotiations and finalize cooperation agreements, focusing on acquiring low-cost and high-stability channels.
• Drive and coordinate technical integration, including API connection, reconciliation logic, and risk control alignment.
• Monitor channel performance metrics (e.g., success rate, cost ratio, failure rate), and conduct periodic evaluations.
• Identify and resolve high failure rate issues by collaborating with technical teams and channel partners for enhancements.
• Stay informed about payment-related regulations, product developments from banks and PSPs, and anticipate fee trends.
• Design differentiated channel strategies for various business scenarios (e.g., e-commerce, cross-border, B2B payments).
• Ensure all payment channels comply with the regulatory requirements of Bank Indonesia.
• Develop fallback mechanisms to mitigate the risks associated with single-point channel failures.

Requirements:

• Bachelor’s degree or higher in Finance, Computer Science, Economics, Business, or related fields.
• Minimum 3 years of experience in the payments industry, fintech companies, or banking payment departments.
• Prior experience in negotiating and managing partnerships with banks or third-party payment providers is highly preferred.
• Strong understanding of the payments ecosystem and integration processes for mainstream payment methods.
• Hands-on experience with payment API integration, settlement and reconciliation, and risk management rules.
• Excellent business negotiation and contract management skills, with the ability to independently develop and close strategic partnerships.

Work Location: In person