Card Operations Manager

Finmo; Kuala Lumpur; On-site; MYR 90,000 - 140,000; Full time

Job summary

Finmo is building a Treasury OS and is expanding into card issuing. We are seeking a Card Operations Lead to own the day-to-day management of our card program, designing and implementing processes, controls, and vendor management from scratch.

You will report to the Head of Strategic Partnerships and collaborate with Product, Finance and Compliance, as well as our scheme and processor partners. The role demands a hands-on leader with a strong risk mindset.

Qualifications

• 5–8 years in card operations or payments, with 2–3 years running part of a live card program.
• Experience setting up or significantly improving operational processes, ideally in a new/early-stage program.
• Hands-on experience with settlement, reconciliation, and chargeback/dispute processes under Visa and/or Mastercard rules.
• Strong analytical skills: comfortable with large transaction datasets and KPI dashboards.
• Clear written and verbal communication with partners and senior stakeholders.

Responsibilities

• Build and own card operations from scratch for a new program.
• Set up reporting, escalation paths, and vendor management routines needed to scale.
• Monitor settlement amounts and fund settlement accounts daily; reconcile with records; resolve breaks.
• Track KPIs: authorization rates, fraud losses, dispute rates, and total vendor costs.
• Investigate disputes and chargebacks; manage fraud cases and customer queries with high service standards.
• Prepare quarterly reports to Visa and keep operations aligned with scheme rules.
• Manage card production, shipping, activation, and replacements; enforce SLAs with vendors.

Skills

Card operations

Payments operations

Data analysis

Vendor management

Stakeholder comms

Job description

About Us

Finmo is a next-generation Treasury Operating System that enables CFOs to see their financial operations in real time and forecast what's coming next. It unifies payments, cash and liquidity management, FX risk management, and financial reporting into a single intelligent platform, transforming fragmented data into connected, actionable intelligence.
Finmo is backed by leading fintech investors. Our oversubscribed US$18.5M Series A was co-led by PayPal Ventures and Quona Capital, with participation from Citi Ventures, bringing total funding to US$27M. We are also recognised by respected industry institutions, including:

• CB Insights Fintech 100 (2025) - named among the 100 most promising private fintech companies
• Forbes Asia 100 to Watch (2025)
• Grand Award – Cross-Border Fintech Unicorn Potential (2026) by Asia FinTech Alliance
• FinTech of the Year (2026) by Asia FinTech Awards

Founded in 2021, Finmo is headquartered in Singapore, with additional offices in Australia, Malaysia, and India, and plans for further global expansion. We are committed to upholding core values such as curiosity, integrity, attitude and customer-centricity. We foster a culture that encourages thoughtful risk-taking and problem-solving, aiming to balance perfection with timely execution

For more information, please visit our website at www.finmo.net

About the Role

Finmo is a B2B fintech building a treasury operating system that covers global money movement, cash visibility, and AR/AP automation. We are expanding into card issuing, and this role will own the day-to-day operations of our card program.

Finmo cards is a new program, so this is a build-from-scratch role. You will design and put in place the card processes and operational controls (settlement, reconciliation, authorization monitoring, disputes, and card fulfillment) and then run them day to day. You will report to the Head of Strategic Partnerships and work closely with Product, Finance and Compliance, as well as our scheme, processor, and card production partners.

Responsibilities

Build and own card operations

• Create card operating processes, controls, and documentation from scratch for a new program
• Set up the reporting, escalation paths, and vendor management routines needed to scale

Settlement and reconciliation

• Monitor settlement amounts and fund settlement accounts daily
• Reconcile settlement amounts against transaction records and resolve breaks
• Reconcile scheme and vendor fees

Authorization and performance

• Monitor approval and decline rates, investigate authorization failures, and drive fixes with processors and internal teams
• Track and report KPIs: authorization rates, fraud losses, dispute rates, and total vendor costs

Disputes, fraud, and customer support

• Investigate disputes and chargebacks, manage fraud cases, and report on outcomes
• Handle customer escalations and card-related queries with a high standard of service

Scheme reporting

• Prepare quarterly reports to Visa
• Keep operations aligned with scheme rules and program requirements

Vendor management

• Manage card production, shipping, activation, and replacements
• Hold vendors to SLAs and hold issues
• Work through vendor-related customer queries

Requirements

• 5-8 years in card operations, payments operations, or issuing, with at least 2-3 years running part of a live card program
• Experience setting up or significantly improving operational processes, ideally in a new or early-stage program
• Hands-on experience with settlement, reconciliation, and chargeback/dispute processes under Visa and/or Mastercard rules
• Strong analytical skills: comfortable with large transaction datasets and building KPI dashboards
• Experience managing third-party vendors against SLAs
• Clear written and verbal communication, including with partners and senior stakeholders
• Detail-oriented, with a strong sense of control and risk

Who You Are

• Owner: you take responsibility for outcomes and don't wait for instructions.
• Builder: you're comfortable with ambiguity and enjoy creating processes from scratch, with no existing playbook.
• Cross-functional: you work well with cross functional teams and you explain issues clearly.
• Pace-ready: you can balance daily operational discipline with fast-moving priorities

Our Commitment to Fairness

Finmo is an inclusive, people-first workplace that values merit and performance. We are committed to providing equal opportunities for all and to fostering a work environment free from discrimination. We evaluate all candidates on the basis of merit, performance, and role fit without regard to age, race, gender, religion, marital status, disability, or any other characteristic unrelated to job performance. We provide a supportive environment where our people can grow, contribute meaningfully, and thrive. All hiring decisions are made in accordance with applicable employment and fair employment laws in the country of hire.
Note: Submissions by recruitment agencies will not be accepted. Only shortlisted candidates will be contacted.
Thank you for your interest in pursuing a career with Finmo!