Director of Payments

365 Retail Markets•Atlanta, GA

About The Position

The Director of Payments will lead the strategy, product roadmap, and day-to-day performance of 365 Retail Markets’ payments function across domestic and international markets. This hands-on role is responsible for growing the value and monetization of payments within the core SaaS business while ensuring payment products, operations, and partner relationships support a secure, compliant, and positive customer experience. The Director oversees card-present processing and payment facilitator activities, manages payment economics across a multi-processor environment, and identifies opportunities to increase revenue, improve adoption, and reduce costs. The role works closely with executive leadership and teams across Product, Engineering, Finance, Sales, Marketing, Customer Success, Onboarding, Underwriting, and Risk to bring payment capabilities from concept through launch and ongoing management. The position also leads payment strategy and commercialization, processing and partner relationships, compliance and risk oversight, analytics and executive reporting, and development of the payments function and its teams.

Requirements

Experience leading payments strategy, products, or operations, ideally in integrated software, SaaS, fintech, or commerce technology.
Strong knowledge of merchant acquiring, card processing, card-present payments, and payment facilitator models.
Direct experience with card-present payment devices and processing functionality.
A record of identifying and pursuing payments revenue opportunities while improving costs, margins, or adoption.
Experience managing processor, acquiring bank, gateway, card network, or other strategic payment partner relationships.
Knowledge of card brand rules, payment compliance, administrative requirements, annual reporting, and payment facilitator obligations.
Experience partnering with Onboarding, Underwriting, and Risk teams on merchant setup, transaction monitoring, fraud, and chargebacks.
Experience evaluating interchange qualification, processor fees, and other factors that affect payment economics.
Strong analytical skills, including experience preparing, manipulating, and interpreting large transactional datasets.
Ability to build clear performance reports and present findings and recommendations to executive leadership.
Experience partnering with Product and Engineering to define requirements and deliver payment capabilities from concept through launch.
Strong cross-functional leadership, communication, negotiation, and relationship-building skills.

Nice To Haves

Experience using SQL to query and analyze transactional data.
Experience applying AI or machine learning in practical payments workflows, such as improving transaction monitoring, identifying processing or revenue patterns, forecasting performance, or supporting fraud and chargeback analysis; ability to explain validation, data quality and privacy considerations, and operational use of insights.
Experience implementing embedded finance solutions.
Experience implementing payment solutions in South America, Central America, or EMEA.

Responsibilities

Develop and execute a payments strategy and roadmap that supports the core SaaS business and creates profitable revenue opportunities.
Identify ways to increase payments adoption, improve conversion, grow revenue, and reduce processing costs.
Develop strategies for expanding payment products and services into international markets.
Assess opportunities to build or improve the payments engine, expand the solution set, and create customer-facing commerce experiences.
Set priorities and performance measures for payment initiatives and communicate progress, risks, and recommendations to executive leadership.
Lead payments initiatives from concept and validation through development, launch, and ongoing product management.
Partner with Product and Engineering on payment requirements, including card-present devices, processing functionality, technical integrations, and complex use cases.
Define product requirements and feature requests based on customer needs, business opportunities, compliance obligations, and partner capabilities.
Collaborate with Sales, Marketing, Finance, and Customer Success on go-to-market plans, commercialization, and customer adoption.
Apply an iterative approach to payments product development that supports best practices and a strong customer experience.
Oversee day-to-day payments across the business, including card-present processing and payment facilitator activities.
Manage relationships with payment processors, acquiring banks, gateways, card networks, and other strategic partners.
Evaluate processor fees, interchange qualification, conversion performance, and other drivers of payment costs and margins.
Identify and implement opportunities to improve processing efficiency, payment economics, and portfolio performance.
Negotiate commercial agreements and lead cross-functional programs with strategic partners.
Build working relationships across the payment ecosystem to support customer acquisition, adoption, and growth.
Manage payment compliance and administrative requirements, including adherence to card brand rules and annual reporting.
Own direct relationships with card networks and support payment facilitator registration and ongoing compliance obligations.
Partner with Onboarding and Underwriting to ensure merchant setup and related processes meet payment and card network requirements.
Work with Risk teams on merchant oversight, transaction monitoring, fraud prevention, chargeback controls, and portfolio exposure.
Monitor payment losses and emerging operational or compliance risks, and recommend appropriate actions.
Support compliant cash discounting practices and related card network requirements.
Extract, manipulate, and interpret large transactional datasets to evaluate payment performance, costs, risks, and growth opportunities.
Develop reports tracking processing performance, fees, margins, portfolio exposure, and losses.
Translate findings into clear recommendations for executive leadership and relevant cross-functional teams.
Use data to assess the impact of product changes, partner decisions, and operational improvements.
Build trust and credibility with partners, colleagues, and team members.
Build and develop high-performing teams as the payments function grows.
Lead cross-functional teams and dispersed stakeholders toward shared priorities and successful execution.