Analyst, Card Operations (Penang, Malaysia)

Reap; Penang; Hybrid; MYR 124,000 - 207,000; Full time

Job summary

A global financial technology company is seeking a meticulous Card Operations Analyst in Malaysia, Penang. The ideal candidate will oversee card design operations, manage logistics, and ensure regulatory compliance while working in a hybrid environment. Experience in operations, proficiency in design tools, and strong attention to detail are required. Join us to reshape the future of finance in a fast-paced, innovative team.

Benefits

Flexible work arrangements

Innovative and inclusive culture

Opportunity to work in a fast-growing startup

Qualifications

• 1+ years in operations or related fields with understanding of manufacturing processes.
• Familiarity with digital payment solutions and willingness to learn.
• Fluency in English and ability to work in HKT hours.

Responsibilities

• Oversee card design processes and advise on designs.
• Manage inventory management and card distribution.
• Ensure compliance with BIN-related regulations.

Skills

Attention to detail

Organizational abilities

Collaboration

Initiative

Tools

Adobe Photoshop

Gsuite Tools

Graphic design tools

Job description

Card Operations · Malaysia · Hybrid / Remote

Analyst, Card Operations

Reinvent finance with Reap to builtintelligent, efficient, and resilient card operational foundation. We are seeking a meticulous Card Operations Analyst to join our team at Reap. The ideal candidate will take ownership of our card operations from end to end, overseeing manufacturing, design, card logistics, BIN operations, and coordination with partners like Visa, Google for Digital Wallet Activations.

This role will be based in Malaysia, Penang. The successful candidate may occasionally (approximately 10% of the working week) be requested to work during Central Standard Time (CST) to facilitate global collaboration.

About Reap

Reap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.

Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments.

Backed by leading investors including Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.

Card Operations at Reap

At Reap, we believe operations is more than keeping trains on time — it’s how we enable scale, reliability, and trust. Reap is pioneering financial infrastructure powered by stablecoins, and our Card Operations team ensures the operational backbone is precise, compliant, and efficient across regions and vendors. We bring clarity to complex processes, turn ambiguity into SOPs, and deliver consistent outcomes at speed.

We also believe in the power of fresh perspectives. We want people who bring something new, individuals who challenge the status quo, bring diverse ways of thinking, and contribute to the cultural and operational excellence of our company.

We Want You!

You're an ideal candidate if you:

• Are passionate about joining a high-growth fintech breaking new ground in every corner of the world
• Continuously improve and exceed standard expectations
• Have strong attention to detail and exceptional organizational abilities
• Collaborate effectively while taking initiative when needed
• Consistently deliver results on time without excuses
• Thrive in fast-paced environments with minimal supervision
• Can work during HKT hours with occasional flexibility for CST collaboration

Key Responsibilities

• Card Design Operations
  • Oversee card design processes, including advising on designs based on client requirements
  • Manage day-to-day card operations, including manufacturing coordination with vendors
  • Maintain detailed documentation of card specifications and production requirements
  • Spearhead new Card Design initiatives
• Card Logistics Operations
  • Manage inventory management, distribution, and tracking of cards
  • Coordinate shipping and delivery processes with logistics partners
  • Monitor delivery performance metrics and track inventory levels
  • Spearhead new Card Logistics initiatives
• BIN Operations
  • Manage Bank Identification Number (BIN) operations and allocation
  • Ensure compliance with BIN-related regulations and payment card industry standards
  • Coordinate with banking partners and optimize BIN usage for different card programs
  • Spearhead new BIN initiatives

Requirements and Qualifications

• Experience & Technical Skills: 1+ years in operations or related fields with understanding of manufacturing processes, card logistics, and BIN management. Proficient in Adobe Photoshop, graphic design tools, and Gsuite Tools.
• Knowledge & Adaptability: Familiarity with digital payment solutions and willingness to learn new technologies.
• Working Hours & Language: Ability to work in HKT hours with occasional flexibility for CST collaboration. Fluency in English.

What We Offer

• Opportunity to work with a great team in a fast-growing fintech startup
• Flexible work arrangements in a hybrid working environment
• A culture of innovation, inclusion, competition and fun