Card Operation Lead
Card Operation Lead
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5years
Not Disclosed
Salary Not Disclosed
1 Vacancy
Job Description
Were a dynamic fintech startup on a mission to revolutionize how Gen Z and Millennials in Vietnam experience credit payments and BNPL. Forget clunky processes and outdated apps were building a sleek mobile-first digital credit card and PayLater experience from the ground up. Partnering with a leading bank we combine stability with cutting-edge tech (think cool SaaS platforms our own awesome frontend!) to deliver a product that truly understands the digital generation.
Founded by former McKinsey partners and backed by a global VC were on the lookout for the next generation of visionaries are not afraid of challenging the status quo. This is your chance to get in on the ground floor shape a game-changing product work with the latest tech (including AI!) and make a real impact in one of Southeast Asias fastest-growing markets (and beyond). If youre ambitious thrive in a fast-paced startup environment and want to build something amazing keep reading!
Role Overview:
Build the engine that keeps our cards running smoothly! Design implement and oversee all card operations processes from the ground up.
Manage the day-to-day relationship and operational workflows with our partner bank and key SaaS vendors (CMS processor).
Define and manage processes for card issuance (virtual & physical) activation fulfillment (if applicable) and lifecycle management.
Establish and oversee critical back-office functions: reconciliation settlement with the bank/schemes dispute management (chargebacks) and fraud operations support.
Develop operational KPIs monitoring dashboards and SOPs to ensure efficiency accuracy and compliance.
Build and lead a small agile card operations team. Explore and implement AI tools for process automation anomaly detection in transactions or optimizing dispute resolution workflows.
Requirements
Significant experience (5 years) in credit card operations specifically on the issuing side within a bank or fintech in Vietnam or a similar market.
Deep understanding of the credit card lifecycle including issuance processing settlement reconciliation and dispute resolution (chargebacks).
Experience working with card management systems (CMS) and payment processors (knowledge of vendors like Openway BPC M2P Pismo is a plus).
Understanding of card scheme (Visa/Mastercard) rules and operational requirements.
Proven ability to design document and implement operational processes.
Strong problem-solving skills and leadership potential. Familiarity with applying AI concepts or tools to operational challenges.
Good-to-Have Skills & Experience:
Experience setting up card operations for a new product or company.
Experience managing vendor relationships (processors card manufacturers).
Knowledge of fraud prevention tools and operational procedures.
Project management experience.
Experience within a bank partnership model.
Benefits
- Competitive salary packages
- Stock options
- 5 days workweek (Sat & Sun holiday)
- 20 days annual leave
- Flexible working
- Health and wellness benefits
- Opportunities for professional development
- Creative and collaborative work environment
Why you should work here
At Circle we believe in fostering a culture of innovation and creativity. Working with us means being part of a team that values your ideas and contributions. We offer a dynamic work environment where you can grow your skills and make a real impact.
Employment Type
Full Time
