Job Description

Objective

The primary role of the Technical Client Manager is to provide advanced technical analysis and strategic support for merchant payment data. This position focuses on auditing merchant transaction data to ensure the lowest possible interchange rates by identifying the root causes of high processing costs. The specialist will develop technical solutions for interchange optimization, analyze processor files to identify "downgrades," and create data-driven tools to enhance cost management for large-scale clients.

Essential Functions/ Responsibilities

• Interchange Optimization: Investigate payment processing data from multiple card brands and processors to identify savings opportunities and the root cause of excessive interchange fees.
• Transaction Analysis: Assess complex merchant statements and technical payment issues to ensure transactions qualify for the lowest rates, specifically managing factors like Level II/III data usage.
• Technical Development: Design, write, and enhance proprietary tools and data libraries to automate cost-saving analyses.
• Reporting & Monitoring: Develop and maintain dashboards (e.g., Tableau, Power BI) to track cost drivers, profitability, and downgrade trends.
• Technical Consulting: Handle technical inquiries from internal stakeholders and external clients regarding scheme fees, network rules, and optimization strategies.
• Compliance & Market Research: Track market trends, industry technology developments, and monitor compliance with Visa/Mastercard network rules and fee programs.

Supervisory Responsibility

None.

Education & Experience

• Education: Bachelor’s degree in CS, Finance, Economics, or a related quantitative field.

• Industry Experience: 3+ years in electronic bill pay, credit card processing, merchant acquiring, or treasury.
• Subject Matter Expertise: Deep knowledge of Interchange structures, NACHA, and Card Network regulations.

• Client Success: 3+ years in a technical or analytical client-facing role, with experience presenting to management and clients.

Technical Skills

• Advanced Excel Skills: Must be proficient with Pivot Tables and complex data modeling.
• Database Knowledge: Strong SQL database knowledge and understanding.
• Visualization: Experience with BI tools such as Tableau or Power BI.
• Regulatory Knowledge: Deep understanding of NACHA Operating Rules and Card Network Operating Regulations is highly desirable

Core Competencies

• Analysis: Strong ability to manipulate complex data, identify anomalies, and provide actionable recommendations.
• Communication: Polished communication skills (speaking and writing) with experience translating technical terms into strategic advice for Manager-level stakeholders and higher
• Adaptability: Thrives in fast-paced, high-growth environments.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as laptop computers, photocopiers and smartphones.

Physical Demands

This position requires extended sitting and/or standing at a computer workstation.

Position Type/Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday during normal business hours. Occasional evening and weekend work may be required as job duties demand.

Travel

Up to 15% travel to customers or partner sites may be required based on business needs

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EEO Statement

Paymentus is an equal opportunity employer. We enthusiastically accept our responsibility to make employment decisions without regard to actual or perceived race, creed, color, age, sex or gender (including pregnancy, childbirth and related medical conditions), gender identity or gender expression (including transgender status), sexual orientation, national origin, ancestry, citizenship status, religion, marital status, physical or mental disability, military service or veteran status, genetic information, protected medical condition as defined by applicable state or local law, genetic information, or any other classification protected by applicable federal, state, and local laws and ordinances. Our management is dedicated to ensuring the fulfillment of this policy with respect to hiring, placement, promotion, transfer, demotion, layoff, termination, recruitment advertising, pay, and other forms of compensation, training, access to facilities and programs and general treatment during employment.

Reasonable Accommodation

Paymentus recognizes and supports its obligation to endeavor to accommodate job applicants and employees with known physical or mental disabilities who are able to perform the essential functions of the position, with or without reasonable accommodation. Paymentus will endeavor to provide reasonable accommodations to otherwise qualified job applicants and employees with known physical or mental disabilities, unless doing so would impose an undue hardship on the Company or pose a direct threat of substantial harm to the employee or others.

An applicant or employee who believes he or she needs a reasonable accommodation of a disability should discuss the need for possible accommodation with the Human Resources Department, or his or her direct supervisor.