Payout Optimizer - Operations

Pakistan·Lahoremid

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Job TitlePayout OptimizerDepartmentPayout OperationsReporting ToTeam LeadCompany NameACE Money TransferLocationLahore,

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Job Title	Payout Optimizer
Department	Payout Operations
Reporting To	Team Lead
Company Name	ACE Money Transfer
Location	Lahore, Pakistan
Employment Type	Full-Time

The Payout Optimizer is responsible for the end-to-end health of ACE's payout ecosystem — ensuring transactions are validated, routed, and settled with partners accurately, on time, and within SLA. The role owns first-line detection and resolution of payout-related issues (bank/wallet validation failures, API, SLA breaches, and payout partner-side disruptions), and works closely with the Payout Strategist, IT, and Customer Experience to keep payout performance stable, transparent, and continuously improving.

Responsibilities

~2 min read

Payout Monitoring & Issue Resolution

→Monitor live payout performance across all corridors and partners; proactively identify and flag anomalies, delays, or failure spikes before they escalate.
→Take ownership of payout exceptions end-to-end — investigate root cause, coordinate the fix, and confirm resolution rather than just logging the issue.
→Conduct detailed root cause analysis for failed or delayed payments and implement corrective actions to prevent recurrence.
→Investigate and resolve technical or operational issues affecting payout performance across APIs channels, and internal systems.
→Ensure all payouts are processed within the Service Level Agreements (SLAs) agreed with partners; escalate breaches with supporting data.
→Perform upfront validation of bank accounts and wallet accounts across corridors to minimize transaction failure rates.
→Reconcile gateway and BI-reported figures periodically; flag and follow up on discrepancies until closed.
→Coordinate with the Payout Strategist on new product proposals, end-to-end testing, and smooth go-live execution.
→Liaise with payout partners, banks, and internal IT/Product/R&D teams to troubleshoot transaction failures and update partner APIs.
→Address payout-related customer service escalations raised via CX in a timely and effective manner, with a clear resolution path.
→Communicate product changes and new product launches to all relevant teams and the CX Department, including formal email announcements.
→Regularly review existing payout products/partners to identify recurring issues and drive necessary enhancements.
→Identify inefficiencies in the payout process and propose workflow improvements; support automation of manual steps.
→Maintain complete and current documentation for all payout partners, including product details and integration specifications.
→Support training of internal teams on updated payout workflows, tools, and partner requirements.
→Participate in cross-functional projects aimed at strengthening payment infrastructure and payout resilience.
→Prepare and submit a monthly performance report covering key KPIs and partner-related challenges to the Team Lead by the 5th of each month, for consolidation and onward reporting to the Manager.
→Maintain an issue/exception log with clear status, ownership, and closure timelines for management visibility.
→Undertake any additional tasks or responsibilities assigned by the Head/Manager.

Requirements

~1 min read

Bachelor's degree in Business, Finance, IT, or a related field.
1–2 years of experience in payment/payout operations, fintech, banking, or remittance operations.
Strong analytical and root-cause investigation skills; comfortable working with transaction-level data in Excel.
Working understanding of payment gateways, APIs, and bank/wallet payout rails is a strong plus.
Excellent coordination skills — able to work confidently with IT, partners, and CX under time pressure.
Strong written communication for partner correspondence, issue documentation, and management reporting.
High ownership mentality — follows issues through to closure rather than handing them off.

Payout success rate / transaction failure rate by corridor and partner.
SLA adherence for partner payouts.
Average time-to-resolution for payout exceptions and escalations.
Reconciliation accuracy between gateway and BI figures.
Timeliness and quality of monthly KPI reporting.

ACE Money Transfer Profile: https://acemoneytransfer.com/company-profile