Senior Subject Matter Expert – Payments

About the Position

Become Shine’s Senior SME – Payments: Be the definitive authority on SEPA, cards, and international rails, shaping scalable, compliant payment infrastructure across Europe.

Responsibilities

• Payments Expertise

  • Serve as the primary SME for all SEPA payment rails (SCT, SCT Inst, SDD), International payment methods, and card scheme flows, with deep knowledge of risk, flows, and scheme rules.
  • Support Operations, Compliance, Legal, Product, and Tech teams in correctly interpreting scheme requirements when building or modifying payment features.

• Provider Management

  • Hold our Strategic Providers (processor, scheme, correspondent bank, etc.) accountable for the service they provide (SLA management, incident follow-up, invoice validation, etc.).
  • Negotiation of new features/contracts/pricing.

• Regulatory and Scheme Compliance

  • Perform gap analyses on upcoming regulation (PSD3/PSR, expansion of VoP, etc.) and their impact on Shine's payment infrastructure.
  • Liaise with scheme representatives and correspondent banks on technical scheme matters.

• Strategic Input

  • Act as a critical input into new market or product assessments: what payment infrastructure is needed, what the risks are, and what the path to compliance looks like.
  • Contribute to the definition and prioritization of the discovery roadmap for payment capabilities.
  • Support provider RFPs and contract reviews by defining technical and scheme-compliance requirements.

• Internal Enablement

  • Train and upskill colleagues across Banking Projects, Product, and Operations on payment scheme mechanics.
  • Develop and maintain internal documentation, decision frameworks, and reference materials for payment topics.
  • Act as escalation point for Operations and Customer Support on complex payment incidents requiring scheme-level analysis.

Requirements

• 5+ years in a payments-focused role within a bank, payment institution, or fintech, with direct hands-on expertise in SEPA and card schemes.
• Must have operated at scheme level, rulebook knowledge, return reason code analysis, direct scheme correspondence, or STEP2/RT1/TIPS connectivity experience strongly preferred.
• Solid understanding of card scheme mechanics, authorization flows, disputes, and BIN structures.
• Strong grasp of PSD3/PSR, EPC scheme rules, and the European payments regulatory landscape.
• Full professional fluency in English is required and French would be a plus.
• Able to translate complex technical payment concepts into clear, actionable guidance for non-specialist audiences.
• Comfortable being the go-to expert, driving clarity in ambiguous situations and owning the full scope of a subject not just a task list.

We Offer

• Opportunity to be part of a leading European fintech unicorn.
• Work in a multicultural team with colleagues from France, Germany, Denmark, the Netherlands, Spain, Portugal, and Belgium.
• Contribute to building Europe's leading financial copilot for small businesses and their accountants.

About the Company

Shine is the financial copilot for entrepreneurs and small business owners. Founded by serial entrepreneurs Rico Andersen and Martin Hegelund, Shine is on a mission to restore the joy of running a business by ending wasted time on financial admin. Shine offers a connected solution for invoicing, accounting, payroll, business accounts, payments, and financing, meaning business owners can focus their energy on growing a healthy business, not held back by manual admin.

Part of something bigger

Today we're part of Cegid, a European leader in cloud software for finance and accounting. Together we're building Europe's leading financial copilot for small businesses and their accountants. Shine already supports more than 400,000 small businesses. As part of Cegid, we now reach over one million small businesses and 15,000 accountants across Europe.

Your hiring experience matters

Just as we respect our customers' time, we respect yours. Your experience with Shine and Cegid should feel simple, transparent, and genuinely supportive. If this sounds like somewhere you want to grow, we'd love to hear from you.

Equal Opportunity Employer

We follow the principle of equal treatment to consider all job applicants and do not discriminate based on their gender, sexual orientation, color, racial or ethnic origin, religion, disability, etc. as per applicable law.

Our recruitment process

1. Initial call (30 min) with a Recruiting Partner
2. Interview with hiring manager (45-60 min)
3. Case study interview + personality and logic assessment feedback
4. A 30' introduction with the Team.

Department: Banking & Compliance

Role: Banking Projects & Providers

Locations: Paris, Copenhagen, Amsterdam, Berlin