Payments Operations & Risk Control Manager

JD.com (NASDAQ: JD; HKEX: 9618), also known as JINGDONG, has evolved from a pioneering e-commerce platform into a leading global technology and service provider with supply chain at its core. Renowned for its supply chain innovation and excellence, the company has expanded into sectors including retail, technology, logistics, healthcare, and more, aiming to transform traditional business models with cutting-edge digital solutions.

Learn more about us: https://corporate.jd.com

We are looking for a detail-oriented and experienced Payments Operations & Risk Control Manager to join our UK team. This role will be responsible for overseeing and optimising our cross-border payments processes, managing operational risks, and supporting business expansion across the UK and Europe. It requires deep domain knowledge in payment operations, fraud risk management, and chargeback handling within a cross-border or eCommerce environment.

Key Responsibilities

• Lead the design, optimisation, and implementation of end-to-end payment operation processes to ensure efficiency, compliance, and risk control.

• Handle chargeback (dispute) cases in line with international card schemes (e.g. Visa, Mastercard), collaborating with banks, PSPs, and merchants to collect evidence and resolve disputes.

• Investigate failed payments (technical issues, account restrictions, risk interceptions, etc.), coordinating with internal teams to improve payment success rates.

• Monitor transactional behaviour to identify suspicious or fraudulent activity, and implement anti-fraud strategies in collaboration with risk and compliance teams.

• Analyse operational data related to chargebacks, fraud, and payment failures; prepare regular reports and insights to support decision-making.

• Collaborate cross-functionally with Tech, Risk, Compliance, Legal, and Customer Service teams to ensure timely resolution of payment issues.

• Maintain effective communication with external partners, including payment processors, banks, and regulatory bodies.

• Ensure all operational processes comply with relevant regulations and standards (e.g. PSD2, AML/KYC, FCA).

Qualifications

• Bachelor’s degree or above in Finance, Business, Economics, Computer Science, or a related field.

• 5+ years of experience in payments operations, chargeback management, or risk control, preferably in a cross-border payments or eCommerce setting.

• Deep understanding of payment processing, payment gateways, and international card scheme rules.

• Familiar with UK and EU payment regulations and compliance frameworks (e.g. SEPA, PSD2, FCA, AML).

• Strong analytical and data interpretation skills, proficient in Excel and SQL.

• Excellent communication, problem-solving, and stakeholder management abilities.

• Detail-driven with a proactive mindset and the ability to work under pressure.

• Fluency in English is required; proficiency in Mandarin Chinese is a strong plus to facilitate communication with global internal teams and partners.

What We Offer

• A unique opportunity to help shape JD.com’s payment and risk strategy in a dynamic and growing international business.

• A diverse, inclusive, and collaborative work environment where your contributions make a real impact.

• Competitive compensation and benefits, including private healthcare, pension schemes, and performance-based bonuses.

• The chance to work alongside global teams and expand your expertise in cross-border digital commerce.

JD.com is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.