Payment Operations Lead

Coins.ph; Taguig; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

Coins.ph is seeking an experienced leader for Payments Operations in the Philippines. You will coach the PESONet and InstaPay workflows, own KPIs, and ensure settlements are accurate within rail cut-off windows.

The role requires 5+ years in payments operations, strong stakeholder management, and a track record of improving processes. You will collaborate with Product, Engineering, Compliance, and Finance to drive efficiency.

Qualifications

• Bachelor's degree in Business, Finance, Operations, or a related field.
• 5+ years in payments operations, settlement, banking operations, or fintech transaction workflows.
• 2+ years managing or leading a team within fiat settlement, treasury operations, or payments operations.
• Hands-on experience processing PESONet and InstaPay transactions; solid understanding of rail mechanics and cut-off schedules.
• Strong stakeholder management across Product, Engineering, Compliance, Finance, and external partners.
• Excellent English and Filipino communication skills.

Responsibilities

• Lead, coach, and develop the Payments Operations team with regular one-on-ones, performance management, and OKRs.
• Own end-to-end oversight of PESONet and InstaPay settlements, coordination of reconciliation, exceptions, and end-of-day balancing.
• Serve as primary escalation point for complex settlement issues, coordinating with internal teams and external partners to resolve SLA breaches.
• Define, track, and report team and department KPIs to senior management; drive process improvements to increase efficiency and reduce risk.
• Lead operational readiness for new payment features or rails, coordinating UAT, SOP updates, and training.
• Ensure adherence to BSP regulations and AML/CTF obligations in fiat money movement and customer transactions.
• Manage staffing, scheduling, and workload to maintain coverage during peak periods and incidents.
• Contribute to larger-scale projects within Coins.ph Payments Operations roadmap.

Job description

Join the Pioneer Crypto Brand in the Philippines!

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.

Join the Coins Team Now!

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.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.