Cards and Credit Lending Specialist

YTL Digital Bank Berhad (Registration No. 202201037182 (1482879-P); Kuala Lumpur; Vor Ort; MYR 60.000 - 90.000; Vollzeit

Zusammenfassung

Ryt Bank in Malaysia is seeking a Card Settlement & Reconciliation Specialist to manage end-to-end card settlement, reconciliation, and related customer inquiries. You will ensure timely processing in line with SLAs and internal controls.

You will support the Card & Credit Lending Operations team, handle investigations and exception management, and prepare operational reports. This role emphasizes risk awareness, process improvements, and cross‑functional collaboration.

Qualifikationen

• Bachelor's degree in related discipline.
• 3-5 years of experience in card operations, settlement, reconciliation, payment operations, or banking operations.
• Experience in investigations, exception management, and operational controls is an advantage.

Aufgaben

• Perform and manage daily card settlement and reconciliation activities for debit and credit card transactions.
• Investigate and resolve reconciliation breaks, settlement exceptions, transaction disputes, and operational issues within agreed service levels.
• Monitor settlement accounts and ensure accurate reconciliation with card schemes and internal records.
• Manage card-related operational activities, including card issuance, replacement, renewal, maintenance, and customer requests.
• Handle investigations and exception management for card transactions and operational discrepancies.
• Provide guidance and support to Operations on daily operational matters.
• Prepare operational, reconciliation, and management reports.
• Support risk, audit, and compliance reviews, ensuring adherence to policies and procedures.
• Collaborate with internal stakeholders to resolve issues and improve operational effectiveness.
• Participate in process improvement and automation initiatives.

Kenntnisse

Analytical skills

Problem solving

Stakeholder management

Attention to detail

Communication skills

Multitasking

Ausbildung

Bachelor's Degree in Business, Finance, Banking, Accounting, or a related discipline

Jobbeschreibung

About the role

This role is responsible for managing end-to-end card settlement and reconciliation activities, including the handling of customer inquiries related to card management. The role ensures timely, accurate, and efficient processing of card-related operations in accordance with established operational procedures, service level agreements, and internal control standards. In addition, this role will provide guidance and operational support to Card & Credit Lending Operations team, manages operational investigations and exception cases, supports risk and control initiatives, and serves as a key liaison for internal stakeholders.

Key Responsibilities

• Perform and manage daily card settlement and reconciliation activities for debit and credit card transactions.
• Investigate and resolve reconciliation breaks, settlement exceptions, transaction disputes, and operational issues within agreed service levels.
• Monitor settlement accounts and ensure accurate reconciliation with card schemes and internal records.
• Manage card-related operational activities, including card issuance, replacement, renewal, maintenance, and customer requests.
• Handle investigations and exception management for card transactions and operational discrepancies.
• Provide guidance and support to Operations on daily operational matters.
• Prepare operational, reconciliation, and management reports.
• Support risk, audit, and compliance reviews, ensuring adherence to policies and procedures.
• Collaborate with internal stakeholders to resolve issues and improve operational effectiveness.
• Participate in process improvement and automation initiatives.

Key Accountabilities

• Accurate and timely completion of settlement and reconciliation activities.
• Prompt resolution of outstanding reconciliation items and operational exceptions.
• Compliance with internal policies, regulatory requirements, and audit standards.
• High-quality service delivery to internal and external stakeholders.
• Maintenance of a strong operational risk and control environment.

Qualifications & Experience

• Bachelor's Degree in Business, Finance, Banking, Accounting, or a related discipline.
• 3-5 years of experience in card operations, settlement, reconciliation, payment operations, or banking operations.
• Experience in handling investigations, exception management, and operational controls is an advantage.

Skills & Competencies

• Strong analytical and problem-solving skills.
• Good understanding of card payment operations and reconciliation processes.
• Knowledge of operational risk, compliance, and control requirements.
• Attention to detail with a high level of accuracy.
• Good communication and stakeholder management skills.
• Ability to work independently and manage multiple priorities.

Key Performance Indicators (KPIs)

• Settlement and reconciliation completed within SLA.
• Timely resolution of exceptions and investigations.
• Accuracy level of operational processing and reporting.
• Compliance findings and audit observations.
• Stakeholder satisfaction and service quality metrics.

JR00000667 Hey Malaysia, we are Ryt Bank – your first AI-powered digital bank, fully licensed by Bank Negara Malaysia and the Ministry of Finance, and a member of PIDM. Backed by YTL Digital Capital Sdn. Bhd. and Sea Limited, we bring together decades of experience and digital innovation to reimagine what banking should be: smarter, simpler, and built entirely around you. The future of banking is here, and it’s done right. If you're bold, curious, and ready to make a difference, you're in the Ryt place.