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.
Position Summary This role is a core management position for the company's European BNPL business, responsible for the end-to-end lifecycle management and granular operations of the BNPL product within the region. The incumbent holds overall accountability for business scale, user growth, commercial monetization, and compliance/risk control targets. By integrating European market characteristics, regulatory policies, and user needs, this role will establish a localized product and operational framework, drive scalable business expansion, and build core competitive advantages.
Key Responsibilities
1. Product Strategy & Full Lifecycle Management
- Develop and own the European BNPL product strategy and roadmap. Design differentiated product offerings (e.g., interest-free installments, payment deferrals) tailored to competitor dynamics, user habits, and business objectives, covering core e-commerce and offline retail scenarios.
- Oversee end-to-end product execution, lead cross-functional collaboration to ensure high-quality and efficient feature launches, and optimize the omnichannel user journey from payment to repayment.
- Ensure product design, terms disclosure, and all processes comply with regional regulations (e.g., EU's CCD3 Directive, UK's BNPL-specific rules), balancing compliance requirements with commercial agility.
2. Granular Operations & Business Growth
- Build the European BNPL operations system, formulating strategies for user acquisition, retention, and monetization to enhance core business metrics through segmented operations and marketing initiatives.
- Manage dual-side operations for merchants and users: acquire and develop high-quality merchant partnerships with a structured operational framework; build omnichannel user acquisition funnels, optimize conversion pathways, and establish service and dispute resolution mechanisms.
- Establish a data-driven decision-making system, analyze core metrics to generate insights, and drive iterative optimization of product, operational, and risk strategies.
- Build and manage a local team, define performance metrics, and foster effective collaboration across time zones and cultures to ensure operational execution.
3. Risk, Compliance & Ecosystem Integration
- Collaborate with the risk team to build a localized BNPL risk management framework, optimizing credit assessment, anti-fraud, and collection strategies to balance growth with risk control.
- Monitor regulatory updates across European markets, promptly adapt product and operational processes, and proactively manage regulatory inquiries to ensure ongoing compliance.
- Drive the integration of BNPL services with the company's existing ecosystem to create a "Payment + Consumption + Services" closed loop, enhancing overall competitiveness.
Qualifications
1. Mandatory Requirements
- Bachelor's degree or above, preferably in a relevant field.
- 8+ years of experience in fintech/payment, with at least 3 years of hands-on BNPL business experience in the European market and a proven track record in scaling operations successfully.
- Deep expertise in the BNPL markets and regulatory landscapes of key European countries, with practical experience in risk and compliance.
- Strong product design skills combined with comprehensive operational capabilities and a demonstrated impact on core business metrics.
- Full professional proficiency in English (verbal and written). Proficiency in additional European languages is a plus.
2. Core Competencies
- High commercial acumen and strategic thinking, with the ability to identify market opportunities and balance growth, profitability, and risk.
- Data-driven mindset, proficient with analytics tools to derive insights and drive optimizations.
- Excellent cross-functional, cross-cultural collaboration, team management, and negotiation skills, capable of navigating complex business environments.
- Resilient under pressure, innovative problem-solver with a deep passion and understanding of the BNPL industry.
3. Preferred Qualifications
- Prior experience at a leading European BNPL platform or with BNPL operations for large cross-border e-commerce players is highly preferred.
- Existing network or experience working with European merchants, financial institutions, or regulatory bodies is advantageous.
- Familiarity with the application of AI/ML technologies in BNPL and experience in product innovation is a plus.
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.
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