Merchant Operation Manager at PalmPay

Overview

• Responsible for the operation and management of POS and acquiring merchants.
• Through data analysis and operational strategy design, this role aims to improve merchant active rate and transaction volume, driving sustainable growth in overall TPV.
• The role focuses on merchant lifecycle management, behavioral growth strategies, and incentive mechanism design to continuously optimize the merchant operation system.

Key Responsibilities
Merchant Lifecycle Management:

• Manage the lifecycle of offline merchants, including onboarding, activation, growth, inactivation, and reactivation strategies.
• Identify key factors affecting merchant active rate and transaction volume through data analysis and develop corresponding operational strategies.
• Segment merchants (e.g., high-value merchants, growth merchants, inactive merchants) and design differentiated operation strategies.

Merchant Transaction Growth:

• Design and implement strategies to increase merchant transaction volume, such as transaction incentive programs, marketing campaigns, and seasonal or festive promotions.
• Analyze transaction behaviors of high-performing merchants, identify key success factors, and replicate high-performing behaviors.
• Continuously optimize operational strategies to increase transaction frequency and transaction volume.

High-Value Merchant Operations:

• Identify high-value merchants (e.g., high TPV, high transaction frequency).
• Develop dedicated incentive programs or growth plans for high-value merchants to increase their transaction volume and retention.

Merchant Reactivation & Activity Improvement:

• Design and optimize merchant reactivation strategies to bring back inactive or low-active merchants.
• Analyze reasons for merchant churn and propose operational or product improvements.

Data Monitoring & Strategy Optimization:

• Track key merchant performance metrics, including:
  • Merchant active rate
  • Merchant productivity (transaction volume per merchant)
  • Number of transactions and total transaction value
• Produce operational analysis reports and continuously optimize strategies based on data insights.

Cross-Functional Collaboration:

• Work closely with Business Development team, Product team, and Customer Service team to resolve merchant issues related to POS products.
• Collect merchant feedback and drive product and operational improvements.

Requirements

• Bachelor’s Degree or above, with at least 2 years of experience in internet, payments, or merchant operations.
• Familiar with user operations or merchant operations methodologies; experience in transaction or user growth is preferred.
• Strong data analysis skills with the ability to identify problems and design operational strategies.
• Strong communication and cross-functional collaboration skills.
• Proactive, execution-oriented, and results-driven.

Preferred Qualifications:

• Experience in payments, acquiring, or fintech industries.
• Experience in POS or offline merchant operations.
• Familiarity with agent-based or channel-based merchant models.
• Experience with SQL or data analysis tools such as Power BI or Tableau.