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Chief Operating Officer - Payments
Location
United Kingdom
Posted
67 days ago
Salary
0
Seniority
Lead
No structured requirement data.
Job Description
Chief Operating Officer - Payments
ThriveCart
About ThriveCart: ThriveCart is a powerful platform used by over 50,000 people worldwide to generate over $5B in sales. Included within the ThriveCart platform is a learning management system (LMS), affiliate management, cart and checkout functionality, making it a top solution for creators, coaches, consultants, and other businesses. Location: Remote (EU/UK) Job Overview: ThriveCart is seeking an exceptional Chief Operating Officer with deep roots in payments or fintech to serve as a key strategic partner to the CEO and drive operational excellence across the business. This role demands a leader who understands the nuances of payments ecosystems, merchant dynamics, and fintech scale — and can translate that expertise into operational rigour, cost discipline, and cross-functional execution. The ideal candidate will be equally comfortable reviewing financial metrics, managing complex product roadmaps, and guiding distributed teams toward ambitious milestones in a fast-moving payments environment. Key Responsibilities: Strategic Leadership & CEO Partnership - Serve as the right hand to the CEO, providing strategic counsel grounded in payments and fintech market dynamics - Translate company vision and strategy into actionable operational plans, with particular focus on checkout optimisation, payments infrastructure, and merchant growth - Act as a sounding board for strategic decisions, bringing informed perspective on fintech trends, competitive positioning, and regulatory developments - Lead key meetings and represent the CEO in operational and partner discussions, including with payment processors, acquiring banks, and fintech partners Operational Excellence - Oversee day-to-day operations across all departments, ensuring alignment with company objectives and the demands of a payments-first business - Develop and implement operational processes and systems that reflect the compliance, security, and reliability standards expected in fintech environments - Establish and monitor KPIs across operational health, payments performance, chargeback rates, merchant satisfaction, and platform uptime - Identify bottlenecks and inefficiencies across the merchant lifecycle and implement solutions to optimise workflow and resource utilisation Financial Management & Cost Optimisation - Lead company-wide cost reduction initiatives while maintaining the quality and resilience standards critical in payments infrastructure - Conduct regular analysis of operating expenses, payment processing costs, vendor contracts, and resource allocation to identify savings opportunities - Develop and manage operational budgets across departments with a strong understanding of the unit economics of a payments and SaaS business - Negotiate with payment processors, technology vendors, and service providers to secure favourable terms and pricing - Implement data-driven decision making to maximise ROI on operational investments, with fluency in payments-specific metrics such as processing margins, interchange, and dispute rates Project & Programme Management - Oversee and coordinate strategic projects across the organisation, including payment method expansions, compliance programmes, and platform integrations - Establish project management frameworks and governance structures appropriate for a regulated, payments environment - Set clear milestones, timelines, and success metrics for company initiatives - Monitor project progress, identify risks — including regulatory and compliance risks — and implement corrective actions to ensure on-time, on-budget delivery Product & Technology Roadmap - Partner with product and engineering teams to oversee the product development roadmap with particular emphasis on checkout optimisation, payment flows, and merchant tooling - Ensure roadmap alignment with business strategy, merchant needs, payment network requirements, and evolving regulatory obligationsBalance competing priorities and resource constraints to optimise delivery schedules in a technically complex, compliance-sensitive environment - Drive continuous improvement in development processes, with a focus on reliability, security, and conversion performance People & Culture - Build, lead, and mentor high-performing teams across operational functions - Foster a culture of accountability, continuous improvement, and operational excellence consistent with fintech standards - Develop talent within the organisation through coaching, training, and professional development - Facilitate effective communication and collaboration across departments, particularly between technical, compliance, and commercial functions Additional Responsibilities - Support business development activities, payment partnerships, and strategic growth opportunities including new market entry and payment method expansion - Ensure compliance with relevant payments regulations, PCI-DSS standards, card network rules, and applicable financial services requirements - Represent the company at industry events, fintech conferences, and partner meetings - Lead special projects as assigned by the CEO Required Skills: - Proven track record of successfully scaling operations in payments, fintech, or payments-adjacent SaaS businesses - Deep understanding of payments ecosystems including acquiring, processing, chargebacks, fraud, and merchant services - Demonstrated expertise in cost optimisation and financial management with measurable results, including payments processing cost management - Strong project management skills with experience overseeing complex, cross-functional and compliance-sensitive initiatives - Deep understanding of product development processes within regulated or technically complex environments - Familiarity with PCI-DSS, payments compliance frameworks, and financial services regulatory requirements - Exceptional analytical and problem-solving abilities with a data-driven mindset and fluency in fintech metrics - Outstanding communication and interpersonal skills with the ability to influence at all levels, including external payment partners and regulators - Hands-on experience using AI tools day-to-day to improve productivity, decision-making, and operational output — not just awareness, but active and proficient use - Demonstrated ability to design, build, and implement AI agents that automate repeatable business processes across operational, financial, and cross-functional workflows - Proven experience identifying automation opportunities across teams and deploying solutions that measurably reduce manual effort, increase throughput, and improve consistency - Comfortable working with AI-powered workflow tools such as n8n, Make, Zapier, or similar platforms to connect systems and eliminate operational friction Experience and Education: - 10+ years of progressive operational leadership experience, with at least 5 years in a senior executive role within payments or fintech - Direct experience working with payment processors, card networks, acquiring banks, or merchant services providers - Bachelor's degree in Business, Engineering, Finance, or related field; MBA or advanced degree preferred - Demonstrated track record of business transformation and change management in regulated or compliance-heavy environments - Experience managing remote or distributed teams across multiple time zones - Strong technical acumen with the ability to engage credibly with engineering teams on payments infrastructure, platform architecture, and AI-driven automation - Proven experience leading or contributing to AI adoption initiatives at an operational level, including the rollout of agent-based workflows across business functions - Previous experience supporting a CEO or founder in a COO or similar executive capacity within a fintech or payments business Learn More About ThriveCart: Our team thrives on collaboration, innovation, and continuous growth. We foster an open environment with regular knowledge-sharing sessions and encourage active participation in shaping the platform. Our values include: - Commit to Excellence – We believe in delivering high-quality work and continuous improvement. - User-Focused Problem Solving – Every design should contribute to solving a real problem for our users. - Team Collaboration – We work better together, valuing input from every team member. - Growth Mindset – We embrace challenges as opportunities to learn and grow.
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