Payment Operations Lead

Coins.ph; Taguig; On-site; PHP 1,200,000 - 2,400,000; Full time

Job summary

Coins.ph seeks an experienced Payments Operations leader to govern end-to-end PESONet and InstaPay settlements. You will coach a team, manage performance, and drive KPI-based improvements across a fast-growing crypto-fintech environment in the Philippines.

You will coordinate with Product, Engineering, Compliance, and Finance, ensuring regulatory compliance and efficient operations while expanding rails and new payment features. Strong English and Filipino communication are essential.

Qualifications

• 5+ years in payments operations, settlement, or fintech transaction workflows.
• 2+ years leading a team in fiat settlement or payments operations.
• Bachelor's degree in Business/Finance/Operations or related field.
• Working knowledge of BSP regulations for PESONet, InstaPay, and e-money rails.
• Proven track record of owning KPIs and driving process improvements.

Responsibilities

• Lead, coach, and develop the Payments Operations team with regular one-on-ones and OKRs.
• Own end-to-end PESONet and InstaPay processing, reconciliation, and SLA adherence.
• Escalate complex settlement issues with cross-functional teams and partners.
• Define, track, and report team KPIs to senior management.
• Lead operational readiness for new payment features and changes.
• Ensure compliance with BSP regulations and AML/CTF obligations.
• Manage staffing, scheduling, and workload distribution.
• Contribute to cross-functional projects within Coins.ph Payments Operations roadmap.

Skills

Payments operations

Team leadership

KPI ownership

Stakeholder management

Analytical skills

English and Filipino

Education

Bachelor's degree in Business/Finance/Operations

Tools

Google Suite

Excel

BI tools

AI-assisted productivity (Claude)

Job description

Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services.

Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

Key Responsibilities:

• Lead, coach, and develop the Payment Operations team through regular one-on-ones, performance management, career development planning, and ownership of team and individual OKRs.

• Own end-to-end oversight of PESONet and InstaPay transaction processing and settlement, including reconciliation coordination, exception management, and end-of-day balancing, ensuring transactions are settled accurately and within rail cut-off windows, and that discrepancies, returns, and rejects are resolved within SLA.

• Serve as the primary escalation point for complex or high-severity settlement issues, coordinating resolution with internal teams (Product, Engineering, Compliance, Finance) and external banking, e-wallet, and payment rail partners including SLA discussions for recurring or systemic issues.

• Define, track, and report team and department KPIs (accuracy, turnaround time, exception aging, incident volume) to senior management, driving process improvement initiatives to increase efficiency and reduce risk.

• Lead operational readiness for new payment features, partners, or rail/process changes, coordinating UAT, updating SOPs and documentation, and training the team ahead of go-live.

• Ensure the team's adherence to internal controls, BSP regulatory requirements, AML/CTF obligations, and standard operating procedures governing fiat money movement and customer transactions.

• Manage team staffing, scheduling, and workload distribution to maintain adequate operational coverage, including during peak volume periods, incidents, or extended hours as needed.

• Perform ad hoc tasks and lead or contribute to larger-scale projects under the broader Coins.ph Payments Operations roadmap.

What You Bring:

• 5+ years of experience in payments operations, settlement, banking operations, or fintech transaction workflows, including at least 2 years managing or leading a team within a fiat settlement, treasury operations, or payments operations function with hands-on experience coaching, developing, and performance-managing team members.

• Hands-on, working experience processing and reconciling PESONet and InstaPay transactions is required, including a solid understanding of rail mechanics, cut-off schedules, and return/reject handling (not merely familiarity or exposure).

• Bachelor's degree in Business, Finance, Operations, or a related field.

• Working knowledge of BSP regulations and operating rules relevant to PESONet, InstaPay, and other electronic fund transfer rails.

• Proven track record of owning operational KPIs, leading incident escalations, and driving measurable process improvements.

• Strong stakeholder management skills, with experience partnering across Product, Engineering, Compliance, Finance, and external banking/e-wallet partners.

• Strong analytical, documentation, and reporting skills; proficient with Google Suite, Excel, operational dashboards/BI tools, and AI-assisted productivity platforms (e.g., Claude) to drive operational efficiency.

• Excellent communication skills in both English and Filipino.

• Reliable, organized, and able to lead a team effectively in a fast-paced environment with shifting priorities.

Meaningful Collaborations

The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.

Scalable Growth

Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.

A Space For Bright Ideas

Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.