Operations Associate - Credit Cards

Gotyme Gotyme; Philippines; On-site; PHP 335,000 - 603,000; Full time

Job summary

GoTyme in Quezon City, Philippines is seeking an Operations Associate for Credit Cards to support daily processing, validations, and reconciliations of the credit card portfolio. You will perform billing checks, dispute logging, and reporting while ensuring accuracy and regulatory compliance.

Fresh graduates are encouraged. The role offers exposure to card operations, regulatory requirements, and cross‑functional collaboration to resolve discrepancies and support go‑live for new features.

Qualifications

• Bachelor’s degree in Finance, Banking, or related field.
• 0–2 years of experience in banking operations, shared services, fintech, or financial services preferred.
• Fresh graduates are encouraged to apply.
• Experience in billing, disputes, or reconciliations is a plus.
• Strong attention to detail and accuracy.

Responsibilities

• Validate and process credit card transactions (authorizations, clearing, payments).
• Support billing cycle checks for statement accuracy.
• Validate posting of payments, fees, and interest charges.
• Log and track disputes; gather documents for chargebacks.
• Assist in T+1 reconciliations and aging tracking; identify reconciliation breaks.
• Coordinate with internal teams to resolve discrepancies.
• Maintain updated trackers and support audits and reporting.

Skills

Attention to detail

Analytical thinking

Communication skills

Excel proficiency

Education

Bachelor’s degree in Finance, Banking, or related field

Tools

Excel

Job description

Operations Associate - Credit Cards

Company : Gotyme

Job Type : Full Time

Location : Quezon City, Philippines

Job Description - Operations Associate - Credit Cards

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

Support the day‑to‑day operational processing of GoTyme’s Credit Card portfolio by performing transaction validations, reconciliations, dispute logging, billing checks, report preparation, and exception monitoring. The role ensures operational accuracy, timely processing, and compliance with internal policies and regulatory requirements while developing foundational knowledge in credit card operations.

Operational Processing

• Assist in daily validation of credit card transactions (authorizations, clearing, payments).
• Support billing cycle checks to ensure statement accuracy.
• Validate correct posting of payments, fees, and interest charges.
• Assist in processing simple adjustments, reversals, and card maintenance requests.
• Log and track dispute cases in internal systems.
• Gather documentation required for chargeback filing.
• Ensure cases are processed within prescribed timelines.
• Update dispute monitoring trackers.
• Monitor system-generated reports for exceptions and elevate discrepancies.
• Assist in T+1 reconciliations of transactions and settlement accounts.
• Identify and log reconciliation breaks.
• Coordinate with internal teams for resolution of discrepancies.
• Maintain updated trackers for aging items.
• Support UAT and go‑live for credit card features

Controls & Compliance

• Update SOPs and trackers when required.
• Escalate operational issues and breaks immediately.
• Maintain accurate records and documentation of transactions and cases.
• Support audit requests by retrieving required documentation.
• Prepare daily and weekly operational reports.
• Comply with BSP regulations, AMLA requirements, and Data Privacy policies.

Requirements

Must Haves

• Bachelor’s degree in Finance, Business, Banking, or related field.
• Fresh graduates are encouraged to apply.
• 0–2 years of experience in banking operations, shared services, fintech, or financial services preferred.
• Internship experience in banking or payments operations is a plus.
• Experience in billing, disputes, or reconciliations is a plus.
• Strong attention to detail and accuracy
• Basic understanding of financial transactions and reconciliations
• Analytical and logical thinking
• Good written and verbal communication skills
• Ability to follow structured processes and SOPs
• Willingness to learn card operations and regulatory requirements
• Proficiency in Excel (basic formulas, data validation, reconciliation checks)