Senior Payments Manager

Own payments performance across every TCG shop and provider: acceptance, fraud and cost per transaction. You set the provider strategy, negotiate the terms and decide what ships in payments.

As Senior Payments Manager you own how well TCG gets paid, across all verticals, payment service providers, payment methods and markets.

You report directly to our Chief of Staff and work with tech, data, Customer Service, Legal and Procurement.

The Customization Group is a global leader in mass customization and print-on-demand e-commerce. We manufacture up to 2.5 million personalized products daily across production sites in Germany, Poland, the USA and Latvia, reaching customers through 20+ online shops and 1,000+ partner stores. 750+ people, 40+ nationalities, 10 locations.

In a nutshell

• one owner for payments performance: higher acceptance, less fraud, lower cost per transaction, across every shop and provider.

What You Will Do

• → Own payments performance. Acceptance rate, fraud and chargeback rates and cost per transaction across all verticals and providers. You define the KPIs, monitor them and report to management.
• → Own fraud and risk. Together with data and tech you set rules and scoring thresholds, AVS/3DS rules and dispute handling.
• → Set the provider strategy. Select and consolidate PSPs and payment methods, including for our Shopify shops, and onboard new ones with IT, Finance, Customer Service, Legal and Procurement.
• → Negotiate group-wide terms. Consolidate conditions across PayPal/Braintree, Adyen, Klarna, Stripe and Shopify, and track contractual commitments.
• → Shape the tech roadmap. Prioritise payment topics with tech and sign off payment-related releases.
• → Be the payments contact. For PSPs, acquirers and card schemes outside, and for any payments question inside the group.
• → Give Finance clean data. Support payment cost planning, and provide data and answers for reconciliation and month-end closing, which stay with Finance.

What You Bring

Must have

• → Typically 7+ years in payments in e-commerce or fintech, several of them with responsibility for acceptance, fraud and payment costs in a multi-PSP setup.
• → A track record in PSP negotiations and/or migrations, including reading PSP contracts, Interchange+ invoices and volume commitments.
• → Deep knowledge of card payments: authorisation flow, decline codes, AVS/CVV/SCA/3DS, interchange, chargeback lifecycle, Visa/Mastercard rules.
• → Hands-on fraud prevention: rule engines, risk scoring, threshold tuning, and measuring false positives against fraud losses.
• → Enough technical depth in PSP integrations (e.g. tokenisation, webhooks) to work eye to eye with developers, and you query payment data yourself (SQL or similar).
• → Negotiation-level English.

Nice to have

• → Working knowledge of PCI DSS and PSD2.
• → Hands-on experience with PayPal/Braintree, Adyen, Klarna, Stripe or Shopify Payments.
• → Using AI tools to speed up payment analysis or reporting.

Sounds like you?

• → You take decisions and own the outcome, including the trade-offs between conversion, fraud and cost.
• → You set priorities across departments and get them implemented, the tech roadmap included.
• → You explain payment topics clearly to management and to teams outside payments.
• → You would rather prove a fee saving or an acceptance gain with data than argue about it.

Probably not a fit if

• → You want to lead a large team from day one. You start as the senior owner of payments and lead through influence across teams.
• → You prefer pure strategy. A good share of the week is hands-on: data, rule tuning, provider calls.
• → You would rather go deep on one provider than run several providers, methods and markets in parallel.
• → You are looking for a fully remote role. We work hybrid from Riga.

Compensation & Benefits

• → 5.000 - 6.500 EUR gross per month published up front