Payment Operations Lead

Gotyme Ph; Philippines; On-site; PHP 1,200,000 - 2,000,000; Full time

Job summary

GoTyme Bank is seeking a Payment Operations Lead in Quezon City to oversee issuer card reconciliations across Visa and BancNet, ensure accurate settlements, and maintain strong maker-checker controls. You will investigate variances, drive resolution, and coordinate with Finance, Treasury, processors, and internal teams to keep books clean.

The role demands leadership, attention to detail, and the ability to improve processes and automation.

Qualifications

• Bachelor’s degree in Accounting/Finance or related field.
• Strong knowledge of issuer card lifecycles: clearing, settlement, reconciliation, disputes and chargebacks.

Responsibilities

• Oversee daily issuer card reconciliations across Visa and BancNet, including transaction, settlement, clearing, fee, chargeback, refund and general ledger reconciliation.
• Identify, investigate, assign, escalate and resolve reconciliation breaks within SLAs; maintain aging visibility for open items.
• Validate settlement amounts/dates and coordinate with Finance, Treasury and partners to address discrepancies.
• Review journal entries related to card settlement, fees, refunds, chargebacks and reconciling items; ensure accuracy and timeliness.
• Maintain maker-checker controls, logs, evidence retention and escalation procedures to prevent posting and settlement errors.
• Process all partner billing and settlement within SLA; ensure on-time payments and zero billing discrepancies at month-end.
• Maintain up-to-date SOPs, control documents, evidence repositories and business continuity procedures.
• Support audits, risk, compliance and regulatory requirements; drive process improvements and automation.

Skills

Leadership

Stakeholder management

Analytical

Problem solving

Detail oriented

Education

Bachelor’s degree in Accounting/Finance

Tools

SQL

Excel

Job description

Payment Operations Lead

Company: Gotyme Ph

Job Type: Full Time

Location: Quezon City, Philippines

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

The Payment & Operations Lead will oversee the day-to-day oversight of GoTyme Bank’s issuer card reconciliation operations, ensuring complete, accurate, and timely reconciliation of Visa and BancNet transactions, settlement activity, general ledger entries, and outstanding reconciling items. The role drives investigation and resolution of reconciliation breaks, strengthens operational controls and reporting, and provides secondary operational support for selected Treasury payment-processing and settlement activities.

• Card Reconciliation Oversight: Lead and oversee daily issuer card reconciliations across Visa and BancNet, including transaction, settlement, clearing, fee, chargeback, refund, and general ledger reconciliation.
• Break Management and Resolution: Ensure reconciliation breaks are identified, recorded, investigated, assigned, escalated, and resolved within defined service levels. Maintain clear ownership and aging visibility for all open items.
• Settlement and Funding Validation: Validate card scheme settlement amounts, settlement dates, funding requirements, and related postings. Coordinate with Finance, Treasury, scheme partners, processors, and internal teams to address discrepancies or funding concerns.
• Accounting and Journal Entries: Review and ensure accurate and timely preparation, validation, and posting of journal entries relating to card settlement, fees, refunds, chargebacks, suspense accounts, and reconciling items.
• Operational Controls: Maintain strong maker-checker controls, daily control checks, evidence retention, exception logs, and escalation procedures to prevent duplicate, omitted, delayed, or incorrect postings and settlements.
• Process all partner (for Cards) billing and settlement transactions within the established SLA while ensuring accurate invoice validation and reconciliation. Achieve 100% on-time payment and zero unresolved billing discrepancies at month-end.
• Up-to-date SOPs, control documents, evidence repositories, and business continuity procedures.
• Timely and satisfactory closure of audit, risk, compliance, and regulatory requirements.
• Measurable reduction in manual reconciliation effort, recurring breaks, and operational exceptions through process improvement and automation.
• Effective team capacity, quality review, stakeholder responsiveness, and operational coverage.

Requirements

• Bachelor’s degree in Accounting, Finance, Business Administration, Banking, Information Systems, or another relevant field.
• Strong knowledge of issuer card transaction lifecycles, including clearing, settlement, reconciliation, disputes, and chargebacks.
• Hands-on experience with Visa and/or BancNet reconciliation, settlement processes, and general ledger reconciliation.
• Solid understanding of operational risk, financial controls, maker-checker processes, and incident management.
• Strong analytical and problem-solving skills, with the ability to investigate variances and drive resolution.
• Familiarity with BSP regulations and Philippine payment and settlement operations.
• Proficiency in Excel and reporting tools; experience with SQL, automation, AI, or reconciliation systems is an advantage.
• Strong leadership, stakeholder management, and communication skills.
• Detail-oriented and able to thrive in a fast-paced, deadline-driven environment.