Cost of Sales - Interchange Unit, Senior Associate Finance Ebene in City of London

Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why. With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance-obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career-defining opportunity to build the future of fintech.

Key Responsibilities:

• Interchange Analysis & Management: Monitor, analyze, and interpret interchange rates, rules, and regulations from various payment networks and partners relevant to our operations in any international markets CKO serves. Perform regular reconciliation of interchange fees and related costs, identifying and resolving discrepancies in a timely manner. Develop and maintain models to forecast interchange costs and assess the financial impact of changes in interchange structures. Support the implementation of new interchange programs and ensure system configurations accurately reflect current fee structures.
• Cost of Sales Reporting & Analysis: Contribute to the month-end closing process for cost of sales, ensuring all interchange and related costs are accurately accrued and reported.
• Stakeholder Collaboration & Support: Liaise with internal teams (e.g., Finance, IT, Product, Sales, Operations) to provide expertise on interchange and cost of sales matters. Support client-facing teams by providing insights and resolving queries related to interchange fees and their impact. Collaborate with external partners, including payment networks, on interchange-related issues and initiatives.
• Process Improvement & Compliance: Identify and recommend improvements to processes, systems, and controls within the Cost of Sales & Interchange function to enhance efficiency and accuracy. Maintain comprehensive documentation of interchange rates, processes, and analyses.
• Mentorship & Development: Provide guidance and support to junior team members as required. Stay updated on industry best practices, emerging trends in payments, interchange, and cost management.

Qualifications:

• 4+ years of experience in the payment industry in the Card Schemes pricing domain and/or in high-volume transaction environment
• Excellent analytical and problem-solving skills, with motivation to find end-to-end solutions
• Ability to work cross-functionally and with remote teams
• Excellent attention to detail and ability to work with complex datasets
• Ability to meet tight deadlines in an evolving environment and sometimes shifting priorities
• Willingness to take the initiative and continuously learn
• Strong sense of ownership and accountability
• Proficient in Microsoft Excel, SQL
• Experience with BI tools, JIRA, Retool is a plus
• Bachelor’s degree in Finance, IT or Analytics
• Fluency in English, and superb communication skills at all levels
• Knowledge of Interchange and Scheme Fees, Card Schemes and Payments Processing will be an advantage

We create the conditions for high performers to thrive – through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity – and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.