Cards and Credit Lending Specialist

Ryt Bank; Malaysia; On-site; MYR 60,000 - 120,000; Full time

Job summary

Ryt Bank in Malaysia is seeking a Card Settlement and Reconciliation Specialist to manage end-to-end card settlement activities for debit and credit card transactions. You will investigate reconciliation breaks, monitor settlement accounts, and support risk, audit, and compliance reviews while collaborating with internal stakeholders.

The role requires 3–5 years in card operations, strong analytical skills, attention to detail, and the ability to handle multiple priorities in a fast-paced

Qualifications

• Bachelor's degree in Business, Finance, Banking, or Accounting.
• 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.

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.

Skills

Analytical thinking

Problem-solving

Card payments operations

Reconciliation processes

Stakeholder management

Attention to detail

Communication skills

Independent worker

Education

Bachelor's degree in Business/Finance/Banking/Accounting

Job description

**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