Payment Operations & Risk Analyst

Who We Are

Joybuy is JD.com’s dedicated retail platform for Europe, offering products across a wide range of categories. Operating across the UK, Netherlands, Germany, France, Belgium and Luxembourg, we’re building the future of retail through smart systems, bold ideas, and a customer-first mindset. Backed by JD.com, also known as JINGDONG, and its trusted global technology and supply chain ecosystem, we deliver a shopping experience that is speedy, reliable, and genuinely enjoyable. If you’re ready to make a difference, bring your talent and grow with us. Don’t just buy, Joybuy.

Learn more about who we are and what we do: https://about.joybuy.com/about/

What We Offer

Joining Joybuy means becoming part of a business where people, innovation, and impact work together to shape the future of cross-border e-commerce. You’ll contribute to smart supply chains, efficient logistics, and meaningful projects that drive real customer value. With a competitive salary, great office locations, and a supportive, people-first culture, you’ll have the space to grow your career, learn from talented colleagues, and make a genuine impact in a fast-expanding international business.

About The Team

You’ll be joining the Joybuy team, which values collaboration, ownership, and a commitment to delivering high-quality results in a fast-paced, dynamic environment.

We are seeking a data-driven and analytical Payment Operations & Risk Analyst to monitor, optimize, and protect our global payment ecosystem. In this role, you will be the frontline investigator tracking payment performance, mitigating fraud, and identifying areas to improve cost efficiency. You will collaborate closely with Product, Engineering, and Risk teams, translating complex transaction data into actionable improvements that safeguard company funds and enhance customer experience. If you love solving data puzzles, mapping out technical user journeys, and supporting international scaling, this role is for you.

What you will do:

• Order & Payment Scheme Design and Implementation
  Focus on the full-chain of cross-border e-commerce order transactions; lead the business solution design for platform transaction payments, order settlement, and receivables/collection disbursement.
  Deeply adapt to cross-border platform trading rules; deliver standardized transaction payment & settlement solutions tailored to different merchants, transaction scenarios and order types, supporting the scaled and standardized expansion of platform order transaction business.

• Transaction Payment System Requirements & Development
  Deeply participate in iterative development and functional optimization of the order transaction payment system; focus on core transaction payment scenarios.
  Take charge of business-side requirements research, transaction link flow mapping, and payment process design; independently output business solutions and collaborate with product, R&D and risk control teams to deliver core capabilities.

• Payment Service & Process Optimization
  Continuously review and address pain points across the end-to-end order transaction payment chain.
  Run dedicated optimization initiatives targeting key issues, including transaction payment failures, abnormal order settlement, delayed collection, stuck funds, transaction rejections, and compensation/dispute handling.
  Iterate on the transaction payment operational processes to drive up the overall order transaction success rate.

• Cross-departmental Project Execution
  Coordinate with business, operations, risk control and technical teams to drive dedicated optimization projects for order transaction payment and settlement.
  Follow the full lifecycle of requirements review, system development, feature testing, pilot (gray) launch, acceptance and iteration to ensure the payment system capability matches the platform's order transaction business growth rhythm.

• Transaction Data Review & Best-practice Accumulation
  Own monitoring and control of core payment data metrics, including transaction success rate, settlement timeliness, and abnormal transactions ratio.
  Complete issue attribution and performance review; issue regular transaction payment analysis reports.
  Accumulate standardized cross-border order transaction payment solutions, risk handling case studies chers, and best practices.

About you:

• Experience: 2-5 years of experience in payment operations, data analytics, fraud risk management, or a closely related role within fintech or e-commerce.

• Payment Knowledge: Solid understanding of the fundamental payment lifecycle, including gateways, acquiring, card schemes, chargebacks, and settlements.

• Data Proficiency: Strong analytical skills with hands-on experience querying and visualizing transaction data (using SQL, Excel, Tableau, or Power BI).

• Risk Awareness: Familiarity with online fraud detection concepts, chargeback processes, and risk mitigation tools (e.g., 3D Secure, risk scoring).

• Cross-Border Exposure: Basic understanding of multi-currency transactions, international payment processing, or alternative payment methods (APMs) is a plus.

• Communication & Collaboration: Ability to clearly communicate technical findings to cross-functional teams, including engineering, risk, and product managers.

• Detail-Oriented Problem Solver: A proactive mindset with an eye for detail, capable of spotting a subtle trend shift in large datasets before it becomes a widespread issue.

At Joybuy, we’re committed to building a diverse and inclusive workplace where everyone can thrive. We’re proud to be an equal opportunity employer and make all employment decisions without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, disability, age, veteran status, or any other protected characteristic.

Ready to apply?

Take the next step in your career, apply now and explore the opportunities we have to offer.