Senior Card Operations Executive

Soft Space Sdn Bhd; Kuala Lumpur; On-site; MYR 78,000 - 123,000; Full time

Job summary

Soft Space Sdn Bhd in Kuala Lumpur seeks a detail-oriented operations professional to manage onboarding for partners and merchants, oversee card and wallet operations, and support acquiring, settlement, and reconciliation processes. The role emphasizes compliance, stakeholder communication, and continuous improvement within a fintech environment.

The ideal candidate has 3–5 years in payment/fintech ops, strong process discipline, and excels at coordinating multiple workstreams with accuracy and

Qualifications

• Diploma or Degree in Finance, Business, IT, or related field.
• 3–5 years in payment/banking/fintech operations.
• Hands-on experience in at least two operational functions (onboarding, card, wallet, acquiring, settlement, or reconciliation).
• Strong understanding of operational controls, process management, and service delivery.

Responsibilities

• Manage end-to-end onboarding activities for partners and merchants with due diligence and go-live support.
• Oversee card operations, including registration, production coordination, and lifecycle support.
• Execute wallet and issuing operations, including fund movements and balance management.
• Support acquiring operations, including fee processing and issue resolution.
• Handle settlement and reconciliation across payment channels with audit-ready documentation.
• Act as escalation point to drive issue resolution, SLA adherence, and continuous improvement.

Skills

Attention to detail

Multi-tasking

Stakeholder communication

Process orientation

Problem solving

Education

Diploma or Degree in Finance, Business, Information Technology, or a related field

Tools

Microsoft Excel

Job description

Manage end-to-end onboarding activities for partners and merchants, including due diligence, risk assessment, account setup, documentation management, and go-live support while ensuring compliance with regulatory requirements, internal standards, and service level commitments.

2) Card Operations and Management

Oversee card operational activities including scheme partner registration, card production coordination, issuance reconciliation, card lifecycle support, transaction monitoring, and fulfilment management to ensure operational continuity and service excellence.

3) Wallet and Issuing Operations

Execute and support wallet and issuing operational processes, including fund movements, account maintenance, balance management, refunds, partner offboarding activities, and operational issue resolution while ensuring accuracy, compliance, and effective stakeholder communication.

4) Acquiring Operations Support

Support acquiring-related operational activities by managing partner operational requests, renewal fee processing, refund coordination, reporting requirements, and issue resolution to ensure timely and accurate service delivery.

5) Settlement and Reconciliation Management

Perform settlement processing and reconciliation activities across payment channels, ensuring the accuracy of financial records, timely resolution of discrepancies, effective stakeholder coordination, and maintenance of audit-ready documentation.

6) Operations Support and Service Quality

Serve as an operational escalation point across assigned functions, driving issue resolution, SLA adherence, process documentation, continuous improvement initiatives, audit readiness, incident management, and cross-functional collaboration to enhance operational effectiveness and service quality.

Required Skills and Qualifications:

Must-Have:

• Diploma or Degree in Finance, Business, Information Technology, or a related field.
• 3–5 years of experience in payment operations, banking operations, fintech operations, or a related environment.
• Hands-on experience in at least two operational functions, including onboarding, card operations, wallet operations, acquiring support, settlement, or reconciliation.
• Strong understanding of operational controls, process management, and service delivery principles.
• Ability to manage multiple workstreams independently while maintaining accuracy and attention to detail.
• Strong analytical and problem-solving capabilities with a structured and process-oriented approach.
• Effective written and verbal communication skills with the ability to engage internal stakeholders, partners, and customer-facing teams.
• Proficiency in Microsoft Excel and familiarity with ticketing, workflow, or case management systems.
• Ability to act as an escalation point and coordinate issue resolution across multiple stakeholders.

Nice-to-Have:

• Experience with card bureau operations, card issuance processes, or payment processing and switching platforms.
• Familiarity with local and regional payment schemes, network requirements, and operational compliance obligations.
• Exposure to KYC/KYB processes and regulatory onboarding requirements.
• Experience within a fintech, issuer, acquirer, payment processor, or regulated financial services environment.
• Understanding of wallet operations, fund management processes, or e-money regulatory frameworks.
• Experience preparing operational reports, reconciliations, or management reporting materials.
• Exposure to audit support, operational risk management, or process improvement initiatives.

Founded in 2012, Soft Space is a leading fintech company providing secure, scalable digital payment solutions globally. We empower over 90 multinational banks and fintech companies across 30 markets, including Japan, Thailand, Australia, and the U.S., with innovative solutions like contactless payments and white-label e-wallets. Ranked among the top 100 in the Financial Times' ‘FT1000: High Growth Companies in Asia Pacific’ in 2018, we also won Best Business & Commercial App at the Asia Smart App Awards in 2023, reflecting our expertise in security and payment regulations.

Founded in 2012, Soft Space is a leading fintech company providing secure, scalable digital payment solutions globally. We empower over 90 multinational banks and fintech companies across 30 markets, including Japan, Thailand, Australia, and the U.S., with innovative solutions like contactless payments and white-label e-wallets. Ranked among the top 100 in the Financial Times' ‘FT1000: High Growth Companies in Asia Pacific’ in 2018, we also won Best Business & Commercial App at the Asia Smart App Awards in 2023, reflecting our expertise in security and payment regulations.