部门介绍
负责出海业务的支付与结算体系建设,覆盖 用户付费(Pay-in) 和 创作者/合作方结算(Pay-out) 两大资金流
工作职责
1. 支付通道建设与维护 负责出海业务在目标市场的支付通道接入与产品化,包括本地支付方式(电子钱包、网银转账、运营商计费等)、国际信用卡及第三方支付服务商。持续优化支付成功率,降低支付成本。
2. Pay-in 产品能力建设 围绕用户付费场景,设计并落地通用支付组件(收银台、订阅管理、订单中心等),支撑会员订阅、虚拟商品购买等业务。确保支付流程的安全、顺畅与高转化率。
3. Pay-out 产品能力建设 建设创作者收益结算与提现体系,包括收益计算与展示、提现流程、账单管理、跨境结算等。对接内部激励系统与外部支付渠道,确保结算的准确性、及时性和合规性。
4. 钱包账户体系建设 搭建用户与创作者的虚拟钱包账户体系,实现资金流的统一管理与明细记录。支持多币种账户、余额查询、交易流水等功能,为后续更复杂的金融场景(如预付、分成等)打下基础。
5. 合规与风控 协同法务、财务及本地合规团队,确保支付和结算流程符合各目标市场的法律法规(如反洗钱、资金托管、税务合规等)。设计与风控系统配合的产品机制,降低支付欺诈和资金风险。
6. 跨团队协作 与激励变现产品经理(业务侧)、研发、财务、法务、运营以及外部支付服务商紧密配合,保障支付体系的稳定运行。在业务冷启动阶段,优先搭建最小可用支付链路,支持首批付费用户和创作者的验证。
任职要求
1. 工作经验 3年以上互联网产品经验,至少有1年以上支付、结算或金融相关产品经验。有出海业务支付体系建设经验者优先。
2. 支付产品理解 熟悉支付领域的基本概念(支付路由、收单、清结算、拒付、退款等)。了解至少一个目标市场的本地支付生态。对 Pay-in 和 Pay-out 的业务链路有系统性认知。
3. 系统性与抽象能力 能够将不同业务的支付需求抽象为统一的基础能力,设计可复用、可扩展的支付与结算产品方案。
4. 数据与分析能力 具备数据驱动思维,能通过支付转化率、失败原因分布、结算时效等关键指标发现问题并推动优化。
5. 沟通与项目管理能力 能够高效协同法务、财务、研发、运营等多角色,推动复杂项目落地。细心严谨,对资金相关产品有高度风险意识。
加分项
●有支付服务商的对接经验。
●有虚拟钱包或账户体系的搭建经验。
●有内容社区、短视频或出海游戏产品的支付产品经验
Department Introduction
We are responsible for building the payment and settlement infrastructure for our global business, covering two core capital flows: user payment (Pay-in) and creator/partner disbursement (Pay-out).
Key Responsibilities
- Payment Channel Development & Maintenance
- Take charge of integrating and commercializing payment gateways for target overseas markets, including local payment methods (e-wallets, online bank transfers, carrier billing, etc.), international credit cards and third-party payment service providers. Continuously optimize payment success rate and cut payment costs.
- Pay-in Product Capability Development
- Design and implement universal payment components tailored to user monetization scenarios, such as checkout pages, subscription management and order centers, to support membership subscriptions, virtual goods purchases and other businesses. Guarantee secure, seamless payment flows with high conversion rates.
- Pay-out Product Capability Development
- Build the revenue settlement and withdrawal system for creators, including revenue calculation & display, withdrawal workflows, bill management and cross-border settlement. Integrate internal incentive systems and external payment channels to ensure accurate, timely and compliant disbursement.
- Virtual Wallet & Account System Construction
- Develop virtual wallet account systems for users and creators to realize unified fund management and detailed transaction records. Support multi-currency accounts, balance inquiries, transaction statements and other functions, laying the groundwork for advanced financial scenarios including prepayment and revenue sharing.
- Compliance & Risk Control
- Collaborate with legal, finance and local compliance teams to ensure all payment and settlement procedures comply with local regulations in target markets (anti-money laundering, fund custody, tax compliance, etc.). Design product mechanisms aligned with risk control systems to mitigate payment fraud and capital risks.
- Cross-team Collaboration
- Work closely with monetization PMs, R&D, finance, legal, operations and external payment vendors to maintain stable operation of the payment ecosystem. During the business cold-launch phase, prioritize building a minimum viable payment pipeline to serve the first batch of paying users and creators for business validation.
Job Requirements
- 3+ years of product management experience in the internet industry, with at least 1 year specializing in payment, settlement or fintech products. Candidates with experience building payment systems for global businesses are preferred.
- Payment Domain Expertise
- Familiar with core payment concepts including payment routing, acquiring, clearing & settlement, chargebacks and refunds. Possess knowledge of the local payment ecosystem in at least one overseas target market, with systematic understanding of end-to-end Pay-in and Pay-out business workflows.
- Systematic & Abstract Thinking
- Able to abstract fragmented payment demands from diverse businesses into unified foundational capabilities, and design reusable, scalable payment and settlement product solutions.
- Data & Analytical Skills
- Data-driven mindset; capable of identifying pain points and driving optimizations via core metrics such as payment conversion rate, breakdown of failure reasons and settlement timeliness.
- Communication & Project Management
- Adept at aligning cross-functional stakeholders including legal, finance, engineering and operations to deliver complex projects. Meticulous and rigorous with strong risk awareness for capital-related products.
Preferred Qualifications
- Hands-on experience collaborating with third-party payment service providers
- Experience building virtual wallet or user account systems
- Payment product experience in content communities, short-video platforms or global gaming products
