Director, Card Operations

Sunbit; United States; On-site; USD 120,000 - 150,000; Full time

Benefits offered by this job

Competitive pay and stock options

Unlimited PTO

401(k) with company match

Cell Phone Stipend

Pet Insurance

Job summary

Sunbit is seeking a Director of Card Operations to lead and scale its card business infrastructure. This highly visible role involves optimizing operational processes and driving initiatives across the card organization.

The ideal candidate will possess over 10 years of experience in card operations and a strong understanding of card processing systems, particularly Fiserv/First Data. The position offers a competitive pay structure and a collaborative work culture.

Qualifications

• 10+ years of experience in card operations or related fields.
• Deep expertise in Fiserv/First Data processing platforms.
• Demonstrated success leading card operations organizations.

Responsibilities

• Drive performance and scalability across card operations.
• Lead strategic relationships with card processors.
• Ensure operational readiness for audits and regulatory reviews.

Skills

Card operations expertise

Program management

Leadership skills

Vendor relationship management

Exceptional problem-solving

Stakeholder management

Tools

Fiserv/First Data

Optis core

APIs

Job description

Location: Remote (Las Vegas or California highly preferred)

Reports To: VP, Strategy and Operations

The Company

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role

Sunbit is seeking a highly experienced Director of Card Operations to lead and scale the operational infrastructure supporting our growing card business. This leader will serve as the company's subject matter expert on card processing, issuer operations, and Fiserv capabilities, while driving operational excellence across the cardholder lifecycle.

The ideal candidate combines deep card operations expertise with strong program management and leadership skills. They have extensive experience working with card processors—particularly Fiserv/First Data—and understand how to translate business objectives into scalable operational solutions. This individual will partner closely with Product, Engineering, Risk, Fraud, Compliance, Finance, Customer Experience, and external partners to optimize performance, reduce operational friction, and accelerate execution across the card organization.

This is a highly visible leadership role responsible for improving operational efficiency, managing key vendor relationships, and ensuring the card platform is positioned to support Sunbit's continued growth.

What you’ll own:

Card Operations Strategy & Execution

• Serve as the operational leader for Sunbit's card platform, driving performance, scalability, and continuous improvement across card operations.
• Own the implementation, optimization, and governance of core card processing functionality, ensuring operational processes align with business objectives and customer experience goals.
• Drive continuous improvement across the card ecosystem by optimizing processes, automating workflows, reducing costs, and establishing scalable operational controls and performance standards.
• Act as Sunbit's primary expert and executive point of contact for Fiserv and related card processing partners.
• Lead the evaluation, design, implementation, and optimization of capabilities across the Fiserv ecosystem, ensuring platform enhancements align with business objectives and operational needs.
• Influence and navigate Fiserv's organization to accelerate project delivery, resolve operational challenges, and maximize the value of existing platform capabilities.

Strategic Programs & Product Enablement

Lead operational workstreams for major card initiatives including:

• New product launches
• Co‑brand and partner card programs
• Portfolio conversions and migrations
• Fraud and risk initiatives
• Data and reporting initiatives
• Debit card and network expansion opportunities
• Own strategic relationships with card processors, networks, fulfillment providers, and other operational partners, driving performance, accountability, escalation management, and continuous improvement.
• Establish and monitor vendor performance metrics, service‑level agreements (SLAs), and operational KPIs.
• Partner with Visa, Mastercard, and other network stakeholders on operational initiatives, compliance requirements, and program enhancements.
• Lead and develop a high‑performing Card Operations team responsible for day‑to‑day card servicing and operational support.
• Build and develop a high‑performing team by establishing clear expectations, fostering accountability and collaboration, and creating opportunities for growth and continuous improvement.
• Own the Card Operations budget and P&L, identifying opportunities to improve efficiency while maintaining strong service levels.
• Develop business cases for operational investments and strategic initiatives.
• Track, analyze, and report on operational performance metrics, costs, and vendor spend.

Risk, Compliance & Controls

• Partner with Risk, Compliance, Legal, and Audit teams to ensure operational processes meet regulatory, network, and internal control requirements.
• Maintain a strong understanding of consumer lending, card servicing, dispute management, fraud operations, and card network regulations.
• Ensure operational readiness for audits, examinations, and regulatory reviews.

What you’ll bring:

• 10+ years of experience in card operations, card processing, payments, fintech, banking, or consumer lending environments.
• Deep expertise working with Fiserv/First Data card processing platforms, particularly Optis and related operational systems.
• Demonstrated success leading large‑scale card operations organizations, driving complex operational initiatives, and developing high‑performing teams.
• Experience managing vendor relationships and driving performance across large external partners.
• Strong understanding of card issuing operations, transaction processing, disputes, fraud operations, servicing, collections, and card lifecycle management.
• Experience partnering effectively across Product, Engineering, Risk, Compliance, Finance, and Customer Experience teams.
• Exceptional problem‑solving, communication, and stakeholder management skills.

Technical & Functional Expertise

• Proven ability to navigate complex organizations, influence stakeholders, and drive execution across internal teams and external partners.
• Experience with key card processing systems, including but not limited to: Optis core (PCF, etc.), card issuance / fulfillment, APIs and data transmission, DecisionQuest, DMM, Fiserv fraud mitigation tools (ex. Defense Edge / Advance Defense), and general Fiserv User guides and operations documentation
• Strong communicator and business partner, thinking strategically about how to enable others to be a better partner directly with Fiserv in their respective spaces (ex. Data, fraud, card ops, Card digital experience)
• Experienced manager of a multi‑faced team
• Strong regulatory fluency and understanding of the compliance requirements in the space

The Perks

• Mission driven, empowered, and collaborative culture
• Competitive pay and stock options
• Unlimited PTO [Include in exempt roles only]
• Newly added HSA and Pet Insurance
• 401(k) with company match
• Cell Phone Stipend
• Team‑based strategic planning and ownership of deliverables

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.