Senior Fiat Product Specialist (Contractor)

About UsEstablished in March 2018, Bybit is one of the fastest growing cryptocurrency derivatives exchanges, with more than 70 million registered users. We offer a professional platform where crypto traders can find an ultra-fast matching engine, excellent customer service and multilingual community support. We provide innovative online spot and derivatives trading services, mining and staking products, as well as API support, to retail and institutional clients around the world, and strive to be the most reliable exchange for the emerging digital asset class.Our core values define us. We listen, care, and improve to create a faster, fairer, and more humane trading environment for our users. Our innovative, highly advanced, user-friendly platform has been designed from the ground-up using best-in-class infrastructure to provide our users with the industry's safest, fastest, fairest, and most transparent trading experience. Built on customer-centric values, we endeavour to provide a professional, 24/7 multi-language customer support to help in a timely manner.As of today, Bybit is one of the most trusted, reliable, and transparent cryptocurrency derivatives platforms in the space.Responsibilities:1. Channel IntegrationEvaluate and integrate PSPs, banks, and local payment schemes (e.g., SEPA, PIX, SPEl, Credit Card Payments). ie.Manage the end-to-end process from API integration to internal workflow design (routing, reconciliation, callbacks/idempotency, error codes, and state machines) with implementation and optimization.Coordinate canary releases, real-money validation, and success rate monitoring to ensure launch quality and stability.2. Treasury SupportSupport global treasury operations: acquiring, settlement, hedging, and returns, through process design and productization.3. Infrastructure OptimizationCollaborate to build and optimize core capabilities such as user center and card management, channel routing, refund center, promotion center, and error code management, enhancing platform reusability and scalability.4. Risk & Compliance CollaborationWork closely with Risk, Engineering, Compliance, and Operations teams to ensure stable operations and adherence to regulatory and reporting requirements.Requirements:3-6 years of product experience in payments, acquiring, cross-border settlement, aggregated payments, or open banking; strong understanding of global payment business priorities as well as local compliance requirements; prior experience in exchange or internet payment integration is preferred.Deep understanding of Credit Card Payments (authorization, clearing, chargebacks), open banking, and PSP integration processes; capable of standardized API integration design, with meticulous attention to interface interactions, state machines, and error code handling.Strong collaboration mindset and sense of ownership, able to proactively identify issues, drive execution, and ensure closed-loop reviews.Fluent Chinese and English as a working language, capable of handling vendor meetings, technical communications, and documentation writing.岗位职责 / Responsibilities渠道集成评估并接入 PSP/银行/本地支付方案（SEPA、PIX、SPEI、Credit Card Payments 等）。端到端管理从 API 对接 到 内部流程设计（路由、对账、回调/幂等、错误码与状态机）的落地与优化。安排灰度发布、真金验证、成功率监控，保障上线质量与稳定性。资金管理支持支持全球资金管理：收单、资金结算、资金对冲、回款 流程设计与产品化。基建优化协同建设与优化 用户中心与卡管理、渠道路由、退款中心、优惠中心、错误码管理 等基础能力，提升平台可复用性与扩展性。风控与合规协同与 风控、研发、合规、运营 紧密协作，确保稳定运行并满足监管与报告要求。任职要求 / Requirements3–5 年 支付/收单/跨境结算/聚合支付/开放银行相关产品经验；理解全球支付业务关注点，理解区域合规业务关注点；交易所或互联网支付集成经验优先。深刻理解 卡支付、开放银行与 PSP 接入流程；具备规范的 API 对接设计 能力，对 接口交互、状态机、错误码 精益求精。具备良好 合作意识与项目 ownership，能主动识别问题、推动落地、闭环复盘。中英文可作为工作语言，能进行供应商会议、技术沟通与文档撰写。Why Join UsAt Bybit, we are committed to fostering a supportive and enriching work environment.Our benefits include:Study Growth Fund: We support your professional development and continuous learning.Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.