Payments Specialist (fintech Operations)

Payments Specialist (Fintech Operations)

Farfetch is a leading global marketplace for the luxury fashion industry. The Farfetch Marketplace connects customers in over 190 countries and territories with items from more than 50 countries and over 1,400 of the world's best brands, boutiques, and department stores, delivering a truly unique shopping experience and access to the most extensive selection of luxury on a global marketplace.

The Role

As a Payments Specialist, you will be a vital part of our Fintech Operations team, reporting directly to the Payments Commercial Lead. Your mission will be to enhance the performance, efficiency, and cost-effectiveness of our entire payments ecosystem. This is a hands-on role focused on driving high-impact projects, from optimising cost structures to improving reconciliation controls. You will work at the intersection of Finance, Product, and Technology, leveraging deep data analysis and project management skills to deliver initiatives that directly reduce our P&L costs and strengthen our operational backbone.

What You'll Do

• Lead Cost Optimisation Initiatives: Proactively analyse our payment processing costs (e.g., interchange, scheme fees, non-transactional costs) to identify and execute on savings opportunities. You will own these projects from business case to implementation, including supporting commercial negotiations.
• Drive Operational Excellence: Spearhead projects to enhance and automate our payment reconciliation and settlement workflows. Your goal is to increase accuracy, improve timelines, and design controls that minimise financial leakage.
• Manage Key Projects: Act as the project manager for critical payments initiatives. You will collaborate closely with Product and Tech teams to define requirements, manage timelines, and ensure the successful delivery of new payment methods, provider integrations, and system enhancements.
• Deliver Data-Driven Insights: Develop and own a suite of operational dashboards and KPIs using tools like Looker. You will monitor key metrics, such as cost per transaction and reconciliation break rates, to inform strategic decisions and identify emerging trends.
• Strengthen Financial & Reconciliation Controls: Design, implement, and monitor robust controls within the payment lifecycle. You will be the go-to expert for investigating and resolving complex payment discrepancies and ensuring our processes are audit-proof.
• Collaborate Cross-Functionally: Serve as a key partner to Product, Engineering, and Data teams, providing expert operational input to shape the future of our payment platform and ensure that cost and efficiency are considered in all new developments.

Who You Are

• Bachelor's degree in Finance, Economics, Engineering, Mathematics, or a related field.
• 3+ years of experience in business analytics and/or project and cost management, preferably in fintech, e-commerce, or payments.
• Experience managing projects with cross-functional teams, taking an idea from analysis and business casing through to successful implementation.
• Proficient in Microsoft Excel/Google Sheets, with advanced functions and financial modelling capabilities.
• Knowledge of SQL for managing and analysing financial datasets (e.g., SQL Server, BigQuery).
• Hands-on experience with data visualisation tools such as Looker or Tableau.
• Skilled in forecast analysis and business casing to drive strategic decision-making.
• Familiarity with payment processes and reconciliation workflows is a plus.
• Strong analytical and problem-solving skills, with high attention to detail and accuracy.
• Excellent communication and interpersonal skills, able to explain financial concepts to non-financial stakeholders and collaborate with cross-functional teams.
• Proactive, organised and able to prioritise tasks to meet deadlines in a fast-paced environment.
• Proficiency in English, both written and spoken.

Rewards & Benefits

• Health insurance for the whole family, flexible working environment and well-being support and tools
• Extra days off, sabbatical program and days for you to give back for the community
• Training opportunities and free access to Udemy
• Flexible benefits program

Equal Opportunities Statement

• FARFETCH is committed to being an inclusive workplace where diversity in all its forms is celebrated. We make employment decisions without regard to race, religious creed, color, age, sex, sexual orientation, gender, gender identity, gender expression, national origin, ancestry, marital status, medical condition as defined by state law, physical or mental disability, military service or veteran status, pregnancy, childbirth and related medical conditions, genetic information or any other classification protected by applicable federal, state or local laws or ordinances. If you require special accommodation, please let us know.

Scam Disclaimer

• It has come to our attention that there may be fraudulent activities involving individuals or organizations falsely claiming to represent Farfetch in order to attract candidates to a SCAM. Please be aware that Farfetch does not conduct recruitment processes through messaging apps or any unofficial communication channels, other than our official careers website. Additionally, Farfetch will never ask candidates for any form of payment during the recruitment process.