Card Operations Supervisor

StraitsX; Singapore; On-site; SGD 80,000 - 120,000; Full time

Job summary

A fintech company in Singapore is seeking an experienced Card Operations Team Lead to oversee the operational lifecycle of card products. This pivotal role involves leading a distributed team across Jakarta and Jogja, ensuring excellence in transactions, fraud management, billing, and vendor relations. The ideal candidate has over 3 years in Payment Operations, with strong leadership and analytical skills. This is an exciting opportunity to drive scalable growth in a fast-paced environment.

Qualifications

• 3+ years of experience in Payment Operations, Fintech, or Banking.
• Experience in a leadership or supervisory role for at least 2 years.
• Strong analytical skills to troubleshoot payment flows.

Responsibilities

• Lead the operations team and coach analysts across Jakarta and Jogja.
• Design and implement SOPs for card product launches.
• Define and track KPIs/SLAs related to transactions and operational success.

Skills

Payment Operations

Analytical skills

Team leadership

Communication skills

Job description

We are looking for an experienced and process-driven Card Operations Team Lead to oversee the end-to-end operational lifecycle of our card products. In this pivotal role, you will work hand-in-glove with Product Managers and the Commercial team to not only run daily operations but to build and optimize the framework that supports our growth.You will lead a distributed team across Jakarta and Jogja, ensuring operational excellence across four critical domains: Transactions, Fraud, Billing, and Vendor Management.

What You Will Do

• Lead and scale the operations team by coaching and developing analysts across Jakarta and Jogja, fostering strong performance and ownership.
• Build operational excellence by designing and implementing SOPs for new card product launches and core operational workflows.
• Own performance and reliability by defining and tracking KPIs/SLAs across transaction success rates, dispute resolution, and operational turnaround times.
• Ensure card acceptance and stability by monitoring transaction flows, investigating declines, and partnering with engineering to resolve issues and improve approval rates.
• Drive fraud and dispute management by overseeing fraud monitoring, calibrating rules, and managing chargebacks in compliance with Visa and Mastercard requirements.
• Oversee billing, settlement, and reconciliation to ensure accurate fund movement, transparent fee management, and correct customer billing.
• Act as a key cross-functional and vendor partner, working closely with Product, Risk, Commercial teams, and external partners to support scalable growth and resolve complex issues.

What We Are Looking For

• Minimum 3+ years of experience in Payment Operations, Fintech, or Banking, with at least 2 year in a leadership or supervisory role.
• Deep understanding of the Cards ecosystem (Issuing and Acquiring), transaction lifecycles (auth, clear, settle), and scheme rules (Visa/Mastercard/JCB).
• Proven experience managing distributed or remote teams (experience with teams in Indonesia is a strong plus).
• Strong analytical skills with the ability to troubleshoot complex payment flows.
• Excellent verbal and written communication skills; ability to translate technical operational issues for commercial stakeholders.
• Ability to thrive in a fast-paced environment where processes are often being built from scratch.