#vacancy #Cyprus-vacancy #high-risk #payments #card #schemes 📌 Company: Inwizo 📌 Vacancy: Card Scheme Financial Officer 📍 Location: Cyprus 💰 Salary: up to 4000 EUR NET 📝 Employment Type: Full-time 🗣 Languages: Russian – native, English – B2+ 📆 Experience: 3+ years

About the Role: We are looking for an experienced Card Scheme Financial Officer to join our Business function. This role focuses on establishing and driving robust card scheme financial processes from scratch across Mastercard and Visa, covering both Issuing and Acquiring.

**Key Responsibilities – Areas ** Card Schemes Financials: • Own and drive merchant pricing strategy across products and markets, ensuring competitiveness and alignment with business objectives. • Build, own, and continuously refine unit economics models, with clear visibility on profitability across merchants, products, and payment methods. • Establish and develop the card scheme financials function from scratch, including operating processes, internal ownership model, reporting routines, and required team structure. • Gradually build, manage, and develop the team required to support card scheme financial operations at scale. • Support strategic initiatives from a card scheme perspective, primarily with Visa and Mastercard. • Act as a key point of interaction with Visa and Mastercard on scheme financials, fees, billing, rules interpretation, operational clarifications, and scheme-related initiatives. • Monitor, interpret, and implement evolving card scheme fee structures, financial rules, and regulatory requirements. • Support Inwizo’s geographic expansion by providing insights on pricing optimization and scheme fee impact. • Reconcile transaction volumes against scheme invoices, identify discrepancies, and analyze interchange and scheme fee trends to optimize cost efficiency. • Forecast financial exposure related to scheme fees and identify potential risks or optimization opportunities.

What We’re Looking For: • Minimum of 3 years’ experience in card scheme financials or fee analysis within acquiring and/or issuing institutions. • Strong understanding of card scheme rules, fee structures, billing logic, and operating models. • Experience working directly with Visa and Mastercard, including scheme representatives, operational teams, billing teams, or scheme-related support channels. • Experience building processes, functions, or teams from scratch is highly preferred. • Experience working with card schemes, regulators, and licensing processes, including scheme and regulatory licensing. • Hands-on experience with multi-jurisdictional compliance, particularly within UK and EU EMI frameworks, is considered a strong advantage. • Strong analytical mindset with the ability to interpret complex financial data and translate it into actionable insights. • Excellent communication and stakeholder management skills. • Fluency in English is required; additional languages are a plus. • Practical, solution-oriented approach, with a focus on efficiency, scalability, and operational discipline. • Proactive, self-driven, and comfortable working independently in a remote, fast-paced, and international environment. • Ability to operate both strategically and hands-on, from designing the function and team structure to managing day-to-day scheme financial operations.