Card Program Operations Lead

BIT Official; Kuala Lumpur; Presencial; MYR 150.000 - 230.000; Jornada completa

Descripción de la vacante

BIT seeks a hands-on Card Operations Manager to build and run a scalable U Card issuing operation from launch through growth. You will own day-to-day program operations, partner service delivery, reconciliations and cardholder servicing.

The role collaborates with Risk, Compliance, Finance, Product and Engineering with clear handoffs for fraud strategy and financial control. Reporting to the Head of Payment, you will work with card-risk, finance, compliance, product, engineering and external

Formación

• Bachelor's degree or above, with 4+ years of experience in card operations, payment operations or digital banking operations, including meaningful hands-on exposure to card issuing.
• Practical understanding of the cardholder lifecycle and operational processes for debit, prepaid or credit cards, including issuance, activation, servicing, limits, refunds, replacements and closure.
• Hands-on experience working with a CaaS platform, issuing bank/BIN sponsor, issuer processor or comparable card-program partner, including troubleshooting and escalation against SLAs.
• Sound knowledge of the card transaction lifecycle—authorization, holds/pre-authorization, clearing, settlement, reversals, refunds and chargebacks—and proven experience investigating reconciliation or settlement exceptions.
• Ability to establish operational SOPs, approval controls, ownership matrices, audit trails and incident runbooks in a regulated or control-focused environment.
• Strong analytical and problem-solving skills; advanced spreadsheet proficiency and ability to investigate operational data. Practical SQL or similar query skills are an advantage.
• Strong vendor management, cross-functional communication and execution skills; comfortable coordinating Finance, Risk, Compliance, Product, Engineering and customer-support teams.
• Fluent in written and spoken English.

Responsabilidades

• End-to-end cardholder operations: Onboarding, KYC handoff, virtual and physical card issuance, activation, controls, limits and replacement.
• Manage card program partners, SLAs, provider invoicing checks and escalation.
• Oversee daily reconciliation of authorization, clearing, settlement, and internal records; investigate discrepancies and coordinate corrections.
• Monitor card funding, FX, fees and settlements; resolve posting or balance discrepancies.
• Coordinate handling of authorizations, offline presentment, and risk-related policy enforcement with partners.
• Oversee physical-card production, personalization, fulfillment and digital wallet readiness.
• Build customer support processes for refunds, disputes and chargebacks with clear SLAs.
• Lead launch readiness, UAT, cutover, and post-launch reviews; develop SOPs and incident runbooks.
• Report on issuance KPIs, activation turnaround, dispute timelines and operating costs; drive automation.

Conocimientos

Analytical skills

Spreadsheet proficiency

SQL

Vendor management

Cross-functional collaboration

English fluency

Educación

Bachelor's degree or above

Herramientas

SQL

Descripción del empleo

BIT seeks a hands-on Card Operations Manager to build and run a scalable U Card issuing operation from launch through growth. You will own day-to-day program operations, partner service delivery, reconciliations and cardholder servicing.

The role collaborates with Risk, Compliance, Finance, Product and Engineering with clear handoffs for fraud strategy and financial control. Reporting to the Head of Payment, you will work with card-risk, finance, compliance, product, engineering and external