Job Offers at PalmPay

About the Role

• As a Business Development Executive specialized in PalmPay's suite of products – Point of Sale (POS), Pay with Transfer (PWT), merchant loans, collaboration, and online payment services – your core responsibility revolves around identifying, engaging, and fostering relationships with (key) merchants. Your role is pivotal in showcasing and selling these PALMPAY offerings to businesses, aligning their needs with the features and benefits of our diverse range of services.

Key Responsibilities:

• Market Prospecting: Identify and target key merchants across various market segments for POS, PWT, merchant loans, collaboration, and online payment solutions, leveraging diverse channels such as online directories, industry gatherings, and referrals.
• Merchant Engagement Strategy: Initiate connections with potential clients, establish strong rapport, and schedule meetings or demonstrations to illustrate the benefits of adopting PalmPay's comprehensive suite of services.
• Needs Assessment: Conduct comprehensive assessments of clients' business operations, payment procedures, and pain points to identify specific needs and challenges, offering tailored solutions accordingly.
• Customized Presentations: Showcase PalmPay's services compellingly, highlighting features, functionalities, and potential returns on investment, tailored to each merchant's (Key, High, and Small Merchant) unique requirements.
• Relationship Building: Cultivate enduring relationships with key decision-makers within client organizations, demonstrating expertise, reliability, and responsiveness.
• Negotiation and Closure: Lead negotiations on pricing, terms, and agreements to secure successful deals, ensuring satisfaction and adherence to company policies.
• Collaborative Implementation: Work closely with internal teams like product development and customer support to address client queries, offer technical insights, and ensure seamless implementation of chosen services.

Required Skills and Experience:

• Proven B2B Sales Background: Demonstrated success in B2B sales, particularly within the payments or tech industry for at least 2 years.
• POS Expertise: Strong familiarity with point-of-sale systems.
• Exceptional Communication: Outstanding communication and interpersonal skills to engage effectively with merchants and establish enduring connections.
• Solution-Oriented: Ability to grasp complex business processes and tailor solutions to meet unique client needs.
• Negotiation Skills: Proficiency in negotiation techniques and a track record of successful deal closures.
• Self-Motivated Team Player: Self-driven, target-oriented, capable of both independent work and effective collaboration within a team setting.

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POSITION OVERVIEW

• We are seeking a highly skilled and detail-oriented Reconciliation and Settlement Specialist to join our Reconciliation team.
• The Reconciliation and Settlement Specialist will play a critical role in ensuring the accuracy and integrity by reversing transactions, accounts, and statements.
• This role is instrumental in maintaining financial compliance and providing valuable insights to support decision-making processes.

Responsibilities

• Develop and execute process, standards, guidelines and service level agreements for partnering organizations.
• Attend to customer and merchant disputes and ensure prompt resolution.
• Liaise with banks and aggregators on settlement discrepancies. 
• Identifying, negotiating and closing partnerships deals on direct product offerings.
• Liaising with switching companies and card schemes on Settlement issues
• Reconciliation of transactions routed through various payments platforms including POS.
• Daily reconciliation of accounts for exceptions and subsequent escalation of exceptions to the switch and other vendors or third parties for resolution.
• Ensures timely reconciliation of all transactions done on the terminals.
• Ensure daily validation of transaction posting on system.

Requirements

• A Bachelor's Degree or its equivalent
• Proven experience (at least 3 years) in Settlement, Reconciliation & Chargeback role, preferably within the fintech, banking, or payment industry.
• At least 3 years in Digital Financial Services or banking industry experience
• Experience with electronic payment systems
• In-depth knowledge of payment processing- gateways
• Organization and Time management skills
• Proficiency in the use of Ms office suites.
• Excellent communication skills and interpersonal skills.
• Attention to details and accuracy
• Strong analytical and problem-solving skills

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• The ideal candidate will be responsible for overseeing the entire product lifecycle of our transfer services, from conception to execution.
• As a Transfer Service Product Design Specialist, you will play a crucial role in developing and implementing strategies to enhance the efficiency, user experience, and overall performance of our transfer services.
• This role requires a strategic thinker with excellent communication skills, a deep understanding of market trends, and the ability to collaborate across cross-functional teams.

Responsibilities:

• Drive the growth of PalmPay's user base and transaction volume in the transfer services sector.
• Innovate and uncover new, practical applications of transfer products in everyday scenarios.
• Engage in active user feedback collection, perform detailed analysis of user behavior, and develop accurate user personas.
• Stay abreast of market innovations, track the latest product trends, and analyze competitor strategies to inform our approach.

Product Design:

• Assist in the development and management of product roadmaps, ensuring alignment with business goals and market needs.
• Participate in the agile development process, including planning, refinement, review, and sprint.
• Prepare and present regular progress reports to the senior product management team.

Market Research:

• Execute comprehensive market research to pinpoint trends, competitor movements, and potential growth opportunities.
• Maintain up-to-date knowledge on industry shifts and regulatory changes to ensure PalmPay's offerings remain competitive and compliant.

Customer Voice and Feedback:

• Regularly engage with product feedback, collating and analyzing input from targeted user groups to inform product development and enhancement.
• Translate customer feedback into actionable product requirements and use cases.

Collaboration with International Teams:

• Collaborate effectively with international technical development, design, and customer support teams, ensuring alignment in business strategies and customer satisfaction.

Job Requirements:

• A minimum of 3-5 years' experience in product management with a focus on transfer service or related domains.
• Proven experience as a Product Manager and Product Design Specialist.
• A deep understanding of the fintech sector, including knowledge of financial products, market trends, competitors, and the regulatory environment.
• A Bachelor's degree (or higher) in Business, Information Technology, Computer Science or a related discipline, with preference given to candidates with international education or experience.
• Exceptional communication skills, both written and verbal, with an ability to convey complex ideas in a clear, persuasive manner.
• Proactive and able to work effectively in a fast-paced environment.

Preferred Skills:

• Experience with user-centered design principles and practices.
• Basic technical knowledge, including an understanding of software development processes.
• Proficiency in prototype design tools such as Axure, Figma, or similar platforms.