国际Pos支付产品经理（线下刷卡/海外终端方向）

Who We Are

At JD.com, also known as JINGDONG, we are building one of the world’s most trusted technology and supply chain ecosystems. What started as a bold idea in China has evolved into a NASDAQ-listed, Fortune 44 global enterprise serving over 700 million active customers. Powered by advanced logistics, innovative technology, and a commitment to integrity, JD.com operates across retail, logistics, technology, property and more, creating solutions that make everyday life smarter, faster, and more connected.

Our Global Reach

JD.com is expanding its international footprint through a digitally intelligent, cross-border supply chain and world-class logistics network, supported by platforms such as Joybuy, which brings trusted products to customers worldwide. Today, our teams operate across China, the U.S., U.K., Netherlands, France, Germany, Spain, Brazil, Hungary, Japan, South Korea, Australia, Thailand, Vietnam, Malaysia, Indonesia, Saudi Arabia, the UAE and beyond, reaching customers in every corner of the world.

Learn more about who we are and what we do: https://corporate.jd.com/

What We Offer

Joining JD.com means becoming part of a company where people, innovation, and impact go hand in hand. We offer a competitive salary, a great location, and a supportive, people-first culture where your growth truly matters. With access to global projects, learning opportunities, and an inclusive environment that values every voice, you’ll have the space to shape the future with us.

About The Team

You’ll be joining the JD.com team, which values collaboration, ownership, and a commitment to delivering high-quality results in a fast-paced, dynamic environment.

岗位职责

1. 负责线下POS刷卡机、传统收银终端、智能POS终端的整体产品规划与迭代，覆盖境内外刷卡支付、扫码支付、国际卡收单、分账结算、资金归集等核心场景，输出完整产品方案、原型、PRD文档。

2. 对接银行卡组织（Visa、Mastercard）、海外收单机构、银行、EMI支付机构，跟进支付通道对接、终端报文适配、刷卡交易流程优化，保障支付链路合规、稳定、高效。

3. 负责POS终端交易全流程设计，包含刷卡/插卡/闪付交易、预授权、撤销、退货、对账清算、异常交易处理、风控拦截、终端密钥管理、参数下发等核心功能。

4. 结合欧盟EMI、香港MSO、国内支付合规要求，搭建POS终端合规体系，规避二清风险、资金池违规、交易合规问题，保障终端业务符合海内外监管政策。

5. 联动研发、测试、运营、商务团队，推进产品落地、版本迭代、问题复盘，持续优化刷卡成功率、交易费率、到账时效、终端稳定性，提升商户使用体验。

6. 调研行业竞品，捕捉线下支付、跨境终端支付行业趋势，输出产品优化及创新方案，构建产品差异化壁垒。

7. 负责商户后台、终端管理平台、交易对账平台、风控后台的产品设计，支撑终端批量管理、交易监控、资金统计、合规报备等能力。

任职要求

1. 5年及以上POS机/线下刷卡支付产品经理经验，熟悉传统POS、智能POS终端业务逻辑，有跨境收单、海外终端支付经验者优先。

2. 精通银行卡刷卡交易流程、ISO8583报文、终端密钥、清算对账、预授权、差错处理等核心支付知识，了解银联、Visa、Mastercard对接规则。

3. 熟悉境内外支付合规规则，了解EMI、MSO等海外支付牌照合规要求，具备支付风控、反洗钱、交易合规设计经验优先。

4. 具备独立输出PRD、产品原型、业务流程图、对账规则文档的能力，逻辑清晰，擅长复杂支付场景拆解。

5. 有跨境支付、海外终端收单、商户资金结算、分账体系产品经验者优先，熟悉支付行业二清合规底线。

At JD.com, we’re committed to building a diverse and inclusive workplace where everyone can thrive. We’re proud to be an equal opportunity employer and make all employment decisions without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, disability, age, veteran status, or any other protected characteristic.

Ready to apply?

Take the next step in your career, apply now and explore the opportunities we have to offer.