Lead Business Development - Payment Gateway

Requirements:

• Memiliki pengalaman 5–10 tahun di payment/fintech/bank/retail tech; minimal 3 tahun memimpin unit bisnis/produk komersial
• Paham mendalam domain retail payments: QRIS (acquiring/merchant aggregator, payment gateway, VA/billing, EDC/POS, subscription, loyalty, dan ekosistem merchant)
• Pengetahuan regulasi & standar: BI/QRIS, PJP/PJPAS, anti-fraud, ISO, PCI-DSS (nilai plus jika familiar), KYC/KYB, rekon & settlement.
• Bukti capaian komersial: pernah mengelola GTV/RPV skala besar, menaikkan take rate, dan mencapai target revenue–margin.
• Keterampilan bisnis: Cost & Revenue, pricing, negosiasi, deal structuring, kontrak, kemitraan B2B.
• Membuat business case, forecast, unit economics, dan dashboard kinerja
• Mampu memimpin lintas fungsi (Sales, Product, Ops, Legal, Finance, Marketing).
• Menguasai Bahasa Inggris baik lisan atau Tulisan

Job Description:

• Menyusun strategi bisnis tahunan/kuartalan, pricing & bundling, proyeksi revenue–cost, dan memegang report keuangan LoB.
• Menetapkan target akuisisi merchant/partner, GTV, take rate/MDR, margin kontribusi, churn rate, cost acquisition.
• Mendesain paket solusi (payment gateway, remmitance, POS, loyalty & data) sesuai segmen retail (F&B, minimarket, jasa, health & beauty, entertainment, dll).
• Membuat playbook sales, materi pitch, komersial & kontrak; mendampingi AE untuk deal strategis.
• Berkolaborasi erat dengan Product Owner untuk roadmap, prioritas backlog, uji pasar, dan peluncuran fitur.
• Menjamin compliance & readiness operasional: onboarding KYC/KYB, rekonsiliasi, settlement, dispute/chargeback, SLA.
• Memimpin weekly business review: funnel, win/loss, cohort merchant, LTV/CAC, unit economics, dan aksi perbaikan.
• Memastikan dokumentasi bisnis, SOP, dan governance rapi dan dapat diaudit.

Nice To Have Jejaring kuat di bank/BPD, PSP, aggregator, brand retail besar, POS. Pengalaman meluncurkan program loyalty/CRM retail. Familiar arsitektur API, integrasi POS/OMS/ERP, dan penerapan SLA operasional. Pengalaman turnaround/scale-up LoB atau ekspansi ke beberapa kota/region.

Skills: Business Analysis, Business Strategy, payment gateway, Business Invoation, Leadership, Payment Facilitator, Postal Application (Point of Sales), Revenue Calculation, Salesforce, Business Growth Strategy, OJk, Business Development, Business Negotiation, New Business Development