Head of Payments

As Head of Payments you own how well TCG gets paid, across all verticals, payment service providers, payment methods and markets.

You report directly to our Chief of Staff and work with tech, data, Customer Service, Legal and Procurement.

In a nutshell: One owner for payments performance: higher acceptance, less fraud, lower cost per transaction, across every shop and provider.

What you'll do

• Own payments performance. Acceptance rate, fraud and chargeback rates and cost per transaction across all verticals and providers. You define the KPIs, monitor them and report to management.
• Own fraud and risk. Together with data and tech you set rules and scoring thresholds, AVS/3DS rules and dispute handling.
• Set the provider strategy. Select and consolidate PSPs and payment methods, including for our Shopify shops, and onboard new ones with IT, Finance, Customer Service, Legal and Procurement.
• Negotiate group-wide terms. Consolidate conditions across PayPal/Braintree, Adyen, Klarna, Stripe and Shopify, and track contractual commitments.
• Shape the tech roadmap. Prioritise payment topics with tech and sign off payment-related releases.
• Be the payments contact. For PSPs, acquirers and card schemes outside, and for any payments question inside the group.
• Give Finance clean data. Support payment cost planning, and provide data and answers for reconciliation and month-end closing, which stay with Finance.

• Typically 7+ years in payments in e-commerce or fintech, several of them with responsibility for acceptance, fraud and payment costs in a multi-PSP setup.
• A track record in PSP negotiations and/or migrations, including reading PSP contracts, Interchange+ invoices and volume commitments.
• Deep knowledge of card payments: authorisation flow, decline codes, AVS/CVV/SCA/3DS, interchange, chargeback lifecycle, Visa/Mastercard rules.
• Hands-on fraud prevention: rule engines, risk scoring, threshold tuning, and measuring false positives against fraud losses.
• Enough technical depth in PSP integrations (e.g. tokenisation, webhooks) to work eye to eye with developers, and you query payment data yourself (SQL or similar).
• Negotiation-level English.

Nice to have

• Working knowledge of PCI DSS and PSD2.
• Hands-on experience with PayPal/Braintree, Adyen, Klarna, Stripe or Shopify Payments.
• Using AI tools to speed up payment analysis or reporting.