Senior Product Manager(Payment Solutions)

Who We Are

At JD.com, also known as JINGDONG, we are building one of the world’s most trusted technology and supply chain ecosystems. What started as a bold idea in China has evolved into a NASDAQ-listed, Fortune 44 global enterprise serving over 700 million active customers. Powered by advanced logistics, innovative technology, and a commitment to integrity, JD.com operates across retail, logistics, technology, property and more, creating solutions that make everyday life smarter, faster, and more connected.

Our Global Reach

JD.com is expanding its international footprint through a digitally intelligent, cross-border supply chain and world-class logistics network, supported by platforms such as Joybuy, which brings trusted products to customers worldwide. Today, our teams operate across China, the U.S., U.K., Netherlands, France, Germany, Spain, Brazil, Hungary, Japan, South Korea, Australia, Thailand, Vietnam, Malaysia, Indonesia, Saudi Arabia, the UAE and beyond, reaching customers in every corner of the world.

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

What We Offer

Joining JD.com means becoming part of a company where people, innovation, and impact go hand in hand. We offer a competitive salary, a great location, and a supportive, people-first culture where your growth truly matters. With access to global projects, learning opportunities, and an inclusive environment that values every voice, you’ll have the space to shape the future with us.

About The Team

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

岗位职责
Lead the development and iteration of the global payment channel system, focusing on core overseas e-commerce scenarios. Be proficient in local European payment methods, e-wallets and other channels, formulate channel expansion strategies, and support the platform’s global business expansion.

主导全球支付渠道体系搭建与迭代，聚焦海外电商核心场景，熟悉精通欧洲本地支付工具及电子钱包等渠道，制定渠道拓展策略，支撑平台全球业务扩张。

Deeply align with the business needs of overseas e-commerce. Design business-oriented payment product solutions by considering user payment habits and compliance requirements (such as GDPR, PSD2) across Europe and other global regions, optimize payment processes, reduce chargeback rates, and improve payment conversion rates and user experience.

深度对接海外电商业务需求，结合欧洲及全球不同区域用户支付习惯、合规要求（如GDPR、PSD2），设计贴合业务的支付产品方案，优化支付流程，降低拒付率、提升支付转化率与用户体验。

Establish a global payment channel management mechanism. Be responsible for the research, selection, testing, integration and full-lifecycle operation and maintenance of channel partners. Regularly analyze core indicators including channel performance, stability, coverage and ROI, drive channel optimization and replacement, and reduce costs while improving efficiency.

建立全球支付渠道管理机制，负责渠道合作伙伴的调研、选型、测试、接入及全生命周期运维，定期分析渠道表现、稳定性、覆盖率、ROI等核心指标，推动渠道优化与替换，降本增效。

Be familiar with the full-lifecycle management of transaction-based payment products. Design payment product functions and optimize transaction processes for overseas e-commerce scenarios (order placement, payment, refund, reconciliation), and resolve pain points encountered during transactions.

熟悉交易类支付产品全生命周期管理，结合海外电商交易场景（下单、支付、退款、对账），设计支付产品功能，优化交易流程，解决交易过程中的支付痛点。

Collaborate with cross-functional teams including technology, risk control, operations and finance to complete the launch and deployment of payment channels, system integration testing, bookkeeping and reconciliation, as well as rapid response to subsequent issues. Ensure a smooth and stable payment link, troubleshoot various payment anomalies, and promote the standardization and large-scale replication of global payment channels.

协同技术、风控、运营、财务等跨部门团队，完成支付渠道上线部署、系统对接测试、写账对账及后续问题快速响应，保障支付链路顺畅稳定，解决支付中的各类异常问题。同时推动全球支付渠道的标准化与规模化复制。

Track global payment industry trends, regulatory policy changes and competitor dynamics. Put forward product innovation and optimization suggestions based on the characteristics of overseas e-commerce business, and drive the iteration and upgrade of payment products.

跟踪全球支付行业趋势、监管政策变化及竞品动态，结合海外电商业务特点提出产品创新与优化建议，驱动支付产品迭代升级。

Be responsible for payment-related data monitoring and analysis, deliver channel performance reports, enable data-driven product optimization and business decision-making, and support the platform’s large-scale growth in overseas markets.

负责支付相关数据监控与分析，输出渠道效能报告，以数据驱动产品优化与业务决策，支撑平台海外市场规模化增长。

任职要求

Relevant working experience in payment product management, with experience in payment products for overseas e-commerce platforms. Candidates with proven cases of building global payment channel systems are preferred.

支付产品相关工作经验，具备海外电商平台支付产品经验，有明确的全球支付渠道搭建案例者优先。

Willing to travel overseas or be based in Europe. Fluent in oral English as a working language, capable of independently liaising with overseas teams, partners and conducting business negotiations.

可接受海外差旅或base欧洲，英语口语流利，可作为工作语言，能独立对接海外团队、合作伙伴及商务洽谈。

Familiar with major global payment channels and cross-border payment compliance requirements, understand the characteristics of the European payment market and user habits. Possess strong product planning capabilities and cross-departmental collaboration skills.

熟悉全球主流支付渠道及跨境支付合规要求，了解欧洲支付市场特点与用户习惯，具备较强的产品规划能力与跨部门协同能力。

Data-sensitive, skilled in identifying and solving problems through data analysis, with strong problem-solving abilities and resilience under pressure.

对数据敏感，善于通过数据分析发现问题、解决问题，具备较强的问题解决能力与抗压能力。

掌握德语（可独立开展德语区业务对接）、具备交易类产品全生命周期管理经验、有海外支付合规或风控相关经验。

Proficient in German (capable of independently conducting business liaison in German-speaking regions); experience in full-lifecycle management of transaction-based products; relevant experience in overseas payment compliance or risk control.

At JD.com, 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.