Join COLIBRIX ONE - Innovating the Future of Payments

At COLIBRIX ONE, we're building advanced, AI-powered payment technologies that support Payment Service Providers (PSPs), Electronic Money Institutions (EMIs), and neobanks across the EU and the UK.

As a fully licensed Electronic Money Institution (FCA Reference No. 927920), holder of a Financial Institution Licence issued by the MFSA, and a principal member of both VISA and Mastercard, we deliver real-world financial infrastructure, including:

• Global card processing
• Digital wallet infrastructure
• Cross-border merchant accounts
• Alternative payment methods (APMs)
• Corporate accounts for legal entities

We're a fast-growing team driven by innovation, scalability, and impact. Our culture values curiosity, ownership, and collaboration - and we're looking for people ready to shape the future of fintech.

About the Role

We are looking for a senior Business Development Manager to drive and scale our card-acquiring business, with a strong focus on subscription and recurring payment models.

This is not a generic acquiring role. We are specifically looking for someone who understands the mechanics, risks, and economics of subscription businesses - including recurring billing logic, payment recovery strategies, and subscription-related chargebacks.

You will work with high-volume, subscription-based merchants, owning the full lifecycle from acquisition to scaling, while ensuring sustainable growth and controlled risk exposure.

Responsibilities

Build & Scale Subscription Acquiring Portfolio

• Develop and grow a portfolio focused on subscription and recurring merchants
• Identify, onboard, and scale high-volume subscription businesses
• Lead commercial negotiations (pricing, risk appetite, processing setup)
• Build long-term partnerships with merchants and ecosystem players

Optimize Recurring Payment Performance

• Improve the full recurring payment lifecycle:
• initial transactions (CIT)
• renewals (MIT)
• retries and dunning flows
• Increase approval rates, recovery rates, and overall transaction success
• Work with PSPs and orchestration providers to optimize routing and processing

Drive Business Metrics

• Monitor and improve transaction volume, approval rates, recurring success rate, and profitability
• Understand and influence churn through payment performance

Manage Subscription-Specific Risk

• Own acquiring risk for subscription merchants, including chargebacks and disputes
• Ensure compliance with Visa and Mastercard rules for recurring payments
• Identify and mitigate friendly fraud, trial abuse, and misuse of recurring billing
• Balance growth with portfolio health and scheme thresholds

Cross-Functional Collaboration

• Partner with risk, compliance, legal, and finance teams
• Evaluate subscription business models from both commercial and risk perspectives
• Contribute to improving acquiring processes and performance

What We're Looking For

Must-Have

• Hands-on experience in card acquiring
• Proven experience with subscription / recurring payment models
• Strong understanding of:
• recurring billing (CIT / MIT, card-on-file)
• payment lifecycle (authorization, clearing, settlement)
• retries, dunning, and recovery logic

Risk & Scheme Knowledge

• Strong expertise in chargebacks, especially in subscription environments
• Solid understanding of Visa / Mastercard rules and thresholds
• Experience managing acquiring risk and portfolio performance

Commercial & Analytical Skills

• Ability to assess subscription business models (unit economics, churn, fraud risks)
• Strong analytical and structured thinking
• Experience working with high-volume merchants

Additional

• Experience in fintech / payments
• Fluent English and Russian
• Ownership mindset and ability to operate independently

What We Offer

• Opportunity to shape and scale a subscription-focused acquiring business within a fast-growing fintech
• High level of ownership and direct impact on the company's growth
• Collaborative, horizontal team structure that values your expertise and ideas
• Continuous learning and development opportunities
• Competitive compensation and benefits package
• Flexible work arrangements to support work-life balance

*This position is offered within COLIBRIX ONE. Employment will be under the appropriate legal entity based on the role and location.