Payments Partnerships Specialist - Luno

About us:

Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We’re committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly.

Since 2013, we’ve helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards.

Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We’re available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely.

The role in a nutshell:

We are seeking a highly analytical and commercially minded Payments Partnerships Specialist to support the growth, optimisation, and resilience of our global payments ecosystem. This role sits at the intersection of Payments, Product, Treasury — responsible for driving payment partner strategy, supporting integrations, solving complex payment flow challenges, and optimising provider performance across fiat rails.

The ideal candidate combines traditional Business Analyst capabilities — requirements gathering, process design, solutioning, and stakeholder management — with deep domain expertise in payment partnerships, integrations, and ecosystem optimisation.

Your mission will be:

Payment Partnerships Strategy & Provider Management

• Manage and strengthen relationships with banking partners, payment providers, and strategic payment vendors.
• Support the evaluation, selection, and implementation of new payment partners aligned to business and geographic expansion strategy.
• Conduct structured provider comparison analyses covering pricing, settlement performance, regulatory exposure, integration complexity, risk controls, and product capabilities.
• Assist in negotiating commercial terms..
• Build business cases and motivation documents for new payment partnerships and product opportunities

Payment Integrations & Business Analysis

• Act as Business Analyst for payment integrations — translating business requirements into scalable payment solutions and functional specifications.
• Partner with Product and Engineering teams to support delivery of payment methods, provider integrations, and enhancements to payment infrastructure.
• Map current and future-state payment processes, identify gaps, and recommend optimisation opportunities.
• Produce business requirements documents, process flows, integration requirements, user stories, and solution documentation.
• Support UAT, implementation validation, and post-launch performance monitoring of payment integrations.
• Drive problem-solving initiatives where payments partnerships or products can address business challenges or customer pain points.

Provider KYB & Regulatory Remediation Management

• Own and manage annual and ad hoc Know Your Business (KYB) reviews across payment providers and banking partners in collaboration with Payment team leaders..
• Coordinate documentation and remediation requirements across Legal, Compliance, Finance, and external providers.
• Monitor remediation timelines and proactively identify risks across the payments partner ecosystem.
• Support governance and control frameworks relating to third-party provider oversight.

Institutional Payment Flow Solutioning

• Partner with Institutional, Treasury, Product, and Operations teams to design and optimise scalable payment flows for high-value deposits, withdrawals, settlements, and fiat on/off ramps.
• Analyse bottlenecks in institutional collections and disbursements and develop tailored solutions leveraging local rails, correspondent banking, and alternative providers.
• Document payment operational controls, and risk mitigation frameworks.
• Support solution design for global settlement needs and institutional payment requirements.

Cross-Border Payments Optimisation

• Support optimisation of global collections and payout corridors across jurisdictions.
• Analyse FX costs, settlement times, liquidity considerations, and routing dependencies.
• Develop contingency strategies to improve resilience and reduce dependency risks.
• Partner with Treasury on liquidity and prefunding considerations linked to payment operations.
• Evaluate new cross-border solutions that improve efficiency, cost, and customer outcomes

Cost, Revenue & Payments Performance Optimisation

• Build financial models to assess provider economics, Total Processing Cost (TPC) , and revenue impacts in collaboration with the Business Optimization Team in Payments.
• Identify opportunities to optimize payment costs while improving customer experience and provider performance.
• Support monthly and ad hoc payments performance reporting, trend analysis, and strategic recommendations.
• Use data-driven analysis to support payment product decisions and partner performance management.
• Assess interest rates and earnings on payment partner accounts; formulate strategies for additional gains in collaboration with Operations and Treasury.

New Provider Onboarding & Go-Live Readiness

• Manage end-to-end onboarding and pre-onboarding processes for new providers and vendors.
• Coordinate cross-functional sign-offs across Legal, Compliance, Risk, Finance, Engineering, and Operations.
• Track onboarding timelines, contractual execution, compliance checks, and technical readiness.
• Ensure go-live readiness including reconciliation controls, reporting, operational monitoring, and risk logging.
• Support successful launch and early-life performance stabilisation of new integrations and partnerships

A little about you:

• Payments domain: Proven experience in payments, fintech, banking, or payment partnerships roles — with strong understanding of payment rails, both local and international payment rails and bank processes ( EFT, Bank transfers, Cards, E-wallets, MoMo ect.), acquiring, banking integrations, cross-border payments, and provider ecosystems.
• Payment Integrations: Basic understanding of payment APIs, settlement processes, and technical integration lifecycles.
• Business Analysis: Experience producing BRDs, process flows, user stories, and functional specs; facilitating workshops; and supporting UAT and go-live validation.
• Provider evaluation: Track record of evaluating payment providers, integration models, and commercial structures.
• Financial modelling: Strong analytical skills including cost/revenue impact assessments and TPC modelling.
• Compliance awareness: Working knowledge of payment risk, KYB/KYC, AML, and regulatory considerations across multiple jurisdictions.
• Cross-functional delivery: Demonstrated ability to work across Product, Engineering, Treasury, Risk, and Compliance teams.
• Communication: Excellent stakeholder management and problem-solving skills; able to convey complex payment concepts clearly to technical and non-technical audiences.

Skill and Competencies

• Payment Partnerships & Provider Management
• Payment Integrations & BA
• Cross-Border Payments & FX Optimisation
• Institutional Payment Flow Design
• KYB / KYC & Provider Compliance
• Financial Modelling & Cost Analysis
• Requirements Gathering & Documentation
• Process Mapping & Gap Analysis
• Stakeholder Management
• Agile Delivery (Jira / Confluence)
• API & Technical Integration Literacy
• Data Analysis & Reporting

Life at Luno:

• Remote but reachable work policy gives you the freedom to choose between working from home or the office.
• Plus the option to buy and sell up to 5 days leave
• Improve body and mind, with excellent private medical insurance
• Access to Learnably and our additional learning platforms for your personal and professional development
• 6 months primary care-giver leave
• Paw-ternity leave for your furry friend
• Annual Inspiration Day in addition to your annual leave which increases based on your length of service!
• A collaborative, friendly work community, with regular social events and virtual cooking, dancing, drawing and house planting classes hosted by our Lunauts
• Free lunch and snacks
• 0 fees up to a certain amount with Luno from the day you start.

Offer only available on Luno Instant Buy, not Luno Exchange.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

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