Associate Manager / Associate, Payment and Card Operations

METACOMP PTE. LTD.; Singapore; On-site; SGD 90,000 - 130,000; Full time

Job summary

MetaComp Pte Ltd in Singapore is seeking an Associate Manager or Associate of Payment and Card Operations to oversee day-to-day transaction processing, client ledger management, and card program operations.

You will balance liquidity, payment rails, settlement speeds, and costs while driving process improvements. You may lead a lean on-site team and collaborate with Product and Engineering to design automated routing and ledger mechanisms to ensure seamless customer experiences.

Qualifications

• 2-5+ years in payment operations or card operations.
• Experience leading or mentoring junior team members.
• Strong understanding of financial clearing processes.
• Proficient in data analysis; SQL knowledge is preferred.
• Experience with payment rails, settlement speeds, and banking relationships.

Responsibilities

• Oversee daily payment operations to ensure liquidity and cost efficiency.
• Manage client ledgers for deposits and payouts and reconcile variances.
• Lead the operations team, monitor SLAs, and optimize routing.
• Collaborate with Product and Engineering to design automated flows and ledger mechanisms.

Skills

Payment operations

Card operations

Team leadership

Mentoring

Financial clearing

SQL knowledge

Data analysis

Job description

About Us

MetaComp Pte Ltd is a leading Singapore-based digital payment solution provider, licensed and regulated by the Monetary Authority of Singapore (MAS) as a Major Payment Institution, to provide Digital Payment Token Services and Cross-border Payment Transfers. Operating under a P2B2C (platform-to-business, partners-to-clients) model, MetaComp provides its clients with an integrated end-to-end suite of services, empowering them to confidently enter the digital asset market with much-needed safety, security, and compliance assurance. Together with its parent company, Metaverse Green Exchange Pte. Ltd. (a MAS-licensed CMS holder permitted to carry out, inter alia, brokerage and custody services), MetaComp introduces its suite of services through CAMP (Client Assets Management Platform) which allow businesses to develop and scale their digital asset offerings through various products and/or services such as over-the-counter transactions, fiat payments, digital asset custody and prime brokerage.

Role Overview

We are looking for a highly analytical, detail-oriented Associate Manager or Associate of Payment and Card Operations, to oversee our day-to-day transaction processing, client ledger management, and card program operations.

In this role, you will be the core custodian of how money moves through our ecosystem-balancing available liquidity, payment rail operating hours, settlement speeds, and costs to ensure seamless user experiences.

Depending on your experience level, you will either step directly into or grow into a people-management role - leading a lean on site and cross border operations team, tasked with handling transaction volumes, maintaining strict SLAs, triaging failed payments, and executing complex multi-layer reconciliations.

Additionally, you will partner closely with Product and Engineering to co-design automated payment routing flows and scalable ledger mechanisms.

Key Responsibilities

• Payment Operations & Liquidity Management
  • Daily Execution: Oversee day-to-day deposit and payout processing, ensuring all transactions align with available liquidity, specific payment rail operating hours, settlement speeds, and cost-efficiency.
  • Client Ledger Management: Own the accuracy and integrity of client ledgers for all deposit and payout actions.
  • Payment Triage & Exceptions: Act as the primary escalation point for failed payments; proactively collaborate with banking partners and Payment Service Providers (PSPs) to trace, refund, or re-process stuck funds.
  • Team Leadership & SLAs: Manage and coach the payment operations team, shift schedules, and tracking performance against transaction volumes, processing speed, and strict operational SLAs.
  • Automation & Innovation: Partner with Product and Engineering teams to co-design and implement automated payment routing flows and system mechanisms.
• Card Operations & Reconciliation
  • Ledger Oversight: Manage end-to-end ledger movements covering card top-ups, user expenditures, and specialized card promotion ledgers.
  • Multi-Layer Reconciliation: Establish and oversee robust daily reconciliation processes: internal ledger matching, as well as internal ledgers vs. card provider ledgers to identify and resolve discrepancies immediately.
  • Dispute & Chargeback Management: Direct the card dispute workflow, including chargeback filing, tracking, and dispute validation.
  • Flow Design & Optimization: Collaboratively design optimized card payment flows while managing the team on daily card reconciliation, chargeback processing, and refund execution.

Required Qualifications & Skills

• Experience: 2-5+ years of hands‑on experience in payment operations, card operations, or financial clearing, with previous experience leading/mentoring junior team members or managing a team.
• Ledger & Recon Expertise: Proven experience managing complex financial ledgers (including promotional/incentive ledgers) and running multi‑party ledger reconciliations.
• Payment Rail Literacy: Deep understanding of various payment rails, including their specific operating windows, clearing times, settlement speeds, and cost structures.
• Vendor & Bank Relations: Strong track record of working with PSPs, clearing networks, and banking partners to trace funds and triage system exceptions.
• Analytical Capabilities: High proficiency in data analysis (SQL knowledge is heavily preferred) to monitor SLAs, trace transaction anomalies, and optimize routing.
• Problem‑Solving: Exceptional technical troubleshooting skills with the ability to translate operational friction into automated product/engineering requirements.

We are committed to creating an inclusive workplace where every individual feels respected, valued, and empowered to contribute. We celebrate diversity in all its forms-background, ethnicity, gender, identity, orientation, experience, and thought-and believe it strengthens our culture and our work. We are proud to be an equal opportunity employer and do not discriminate