Credit Card Operations Manager

GoTyme; Quezon City; On-site; PHP 1,800,000 - 3,000,000; Full time

Job summary

GoTyme is seeking a seasoned Credit Card Operations leader to own end-to-end credit card processes from issuance to settlements, ensuring compliance, accuracy, and scalable control. You will oversee reconciliations, chargebacks, billing, and vendor governance while driving data-driven improvements and operational excellence.

The role requires deep card operations experience, strong stakeholder management, and the ability to lead a high-performing team in the Philippines.

Qualifications

• Bachelor’s degree in Finance, Accountancy, Banking, IT, Engineering, or related field.
• 6+ years of experience in card operations, including at least 3 years in credit card operations.
• Experience in banking or debit card operations.
• Strong understanding of card billing, revolving interest, installments, chargebacks, and scheme rules.
• Experience managing processors and vendors.
• Operational rigor & controls mindset; documentation discipline.
• Analytical problem-solving; uses data to identify operational failure modes.
• Experience leading and coaching operations teams; customer-centric.
• Eligible to work in the Philippines.
• Knowledge of BSP regulations, AMLA, Data Privacy Act, and PCI DSS fundamentals is a plus.
• Stakeholder management across Product, Engineering, Risk, Finance, Compliance, external partners is a plus.
• Experience working directly with senior stakeholders such as Visa, regulators, or executive leadership is a plus.
• Resilience & ownership; comfortable with on-call rotations is a plus.

Responsibilities

• Own end-to-end credit card operational processes including issuance, activation, limit maintenance, billing, interest, payments, blocks.
• Oversee daily reconciliations across authorization, clearing, billing, GL, and settlement.
• Ensure zero aged recon breaks and accurate GL postings.
• Manage chargebacks & disputes per scheme timelines and policies.
• Monitor billing accuracy and refund processing.
• Ensure compliance with BSP regulations, AMLA, Data Privacy Act, AFASA, PCI DSS, and scheme rules.
• Drive improvements in authorization approval rates and minimize declines.
• Lead vendor governance with SLA monitoring and reviews.
• Billing, Collections & Portfolio Controls: oversee billing cycle integrity and due date management.
• Support collections operations and data integrity.
• Monitor delinquency-related operational risks and tagging/reporting.
• Operational Excellence & Automation: identify automation opportunities; reduce manual interventions.
• Define operational KPIs and dashboards.
• Lead root-cause investigations and fixes.
• Stakeholder & Scheme Governance: Visa governance, incident management, attestations, scheme reporting.
• Prepare monthly management reports covering portfolio health, incidents, finances, regulatory updates.
• Partner with Product/Business, Engineering, Risk, Finance, Compliance, and Customer Experience.
• People & Ways of Working: build and lead a high-performing credit card ops team; set standards; SOP documentation.

Skills

Card operations

Vendor management

Regulatory compliance

Data analytics

Process improvement

Education

Bachelor's degree in Finance/Banking/IT

Job description

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands-on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the role

Lead the end-to-end operations of GoTyme’s Credit Card portfolio, covering card lifecycle management, authorization & clearing flows, billing & statement generation, disputes & chargebacks, collections operations support, reconciliation & settlement, scheme compliance (Visa), vendor/processor governance, and operational excellence. The role ensures scalable, compliant, and customer-centric operations while building strong controls, automation, and data-driven improvements to support portfolio growth.

• Credit Card Operations Management
  • Own end-to-end credit card operational processes including:
  • Card issuance & activation
  • Credit limit maintenance
  • Billing & statement generation
  • Interest & fee computations
  • Payments allocation & reversals
  • Card blocking/replacement
• Oversee daily reconciliations (T+1) across authorization, clearing, billing, GL, and settlement accounts.
• Ensure zero aged recon breaks and accurate GL postings.
• Manage chargebacks & disputes in accordance with scheme timelines and internal policies.
• Monitor billing accuracy, finance charge application, and refund processing.
• Ensure compliance with BSP regulations, AMLA, Data Privacy Act, AFASA, PCI DSS, and scheme rules.
• Drive improvements in authorization approval rates and minimize issuer-caused declines.
• Lead vendor governance (processor, scheme, collections partners) including SLA monitoring and service reviews.

Billing, Collections & Portfolio Controls

• Oversee billing cycle integrity, statement accuracy, and due date management.
• Ensure correct implementation of interest computation, fees, installment conversions, and promo programs.
• Support Collections Operations in operational alignment and data integrity.
• Monitor delinquency-related operational risks and ensure proper system tagging & reporting.

Operational Excellence & Automation

• Identify automation opportunities in disputes, billing adjustments, reconciliation, and reporting.
• Reduce manual interventions and turnaround times through workflow improvements.
• Define operational KPIs and dashboards (billing accuracy, recon aging, disputes TAT, complaint SLAs).
• Lead root-caused investigations and permanent fixes to systemic issues.

Stakeholder & Scheme Governance

• Lead Visa service governance (incident management, compliance attestations, scheme reporting).
• Prepare monthly management reports covering:
• Portfolio operational health
• Incident trends
• Financial & reconciliation status
• Regulatory updates

Partner closely with Product/Business, Engineering, Risk, Finance, Compliance, and Customer Experience.

People & Ways of Working

• Build and lead a high-performing credit card operations team.
• Set performance standards and clear development plans.
• Establish strong SOP documentation and control frameworks.

Requirements

Must Haves

• Bachelor’s degree in Finance, Accountancy, Banking, IT, Engineering, or related field.
• 6+ years of experience in card operations, including at least 3 years in credit card operations.
• Experience in banking or debit card operations.
• Strong understanding of:
• Credit card billing cycles
• Revolving interest computation
• Installment programs
• Chargeback lifecycle
• Scheme rules (Visa or Mastercard)
• Experience managing processors and vendors.
• Operational rigor & controls mindset; experience establishing strong controls and documentation discipline.
• Analytical problem-solving; uses data to identify operational failure modes and drive permanent fixes.
• Experience leading and coaching operations teams; builds a high-performing, customer-centric team.
• Eligible to work in the Philippines.
• Knowledge of BSP regulations, AMLA, the Data Privacy Act, and PCI DSS fundamentals is a plus.
• Stakeholder management across Product, Engineering, Risk, Finance, Compliance, and external partners is a plus.
• Experience working directly with senior stakeholders such as Visa, regulators, or executive leadership is a plus.
• Resilience & ownership; comfortable with on-call rotations is a plus.