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Open nowPosted 523 days ago

Card Operations Lead

circle-asia12 open roles

Where
Ho Chi Minh City, Viet Nam
Work mode
Hybrid
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Your applicationOpen nowCard Operations Leadcircle-asia · Ho Chi Minh City, Viet Nam

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Share of postings closed within
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  2. 4.5%3 days
  3. 12.1%7 days
  4. 19.1%14 days
  5. 35.6%30 days
  6. 52.7%60 days
This job: posted 523 days ago

The posting

Join the Revolution in Vietnamese Fintech!

We're a dynamic fintech startup on a mission to revolutionize how Gen Z and Millennials in Vietnam experience credit, payments and BNPL. Forget clunky processes and outdated apps – we're building a sleek, mobile-first digital credit card and PayLater experience from the ground up. Partnering with a leading bank, we combine stability with cutting-edge tech (think cool SaaS platforms + our own awesome frontend!) to deliver a product that truly understands the digital generation.

Founded by former McKinsey partners and backed by a global VC, we're on the lookout for the next generation of visionaries are not afraid of challenging the status quo. This is your chance to get in on the ground floor, shape a game-changing product, work with the latest tech (including AI!), and make a real impact in one of Southeast Asia's fastest-growing markets (and beyond). If you're ambitious, thrive in a fast-paced startup environment, and want to build something amazing, keep reading!

Role Overview:

  • Build the engine that keeps our cards running smoothly! Design, implement, and oversee all card operations processes from the ground up.
  • Manage the day-to-day relationship and operational workflows with our partner bank and key SaaS vendors (CMS, processor).
  • Define and manage processes for card issuance (virtual & physical), activation, fulfillment (if applicable), and lifecycle management.
  • Establish and oversee critical back-office functions: reconciliation, settlement with the bank/schemes, dispute management (chargebacks), and fraud operations support.
  • Develop operational KPIs, monitoring dashboards, and SOPs to ensure efficiency, accuracy, and compliance.
  • Build and lead a small, agile card operations team. Explore and implement AI tools for process automation, anomaly detection in transactions, or optimizing dispute resolution workflows.

Must-Have Skills & Experience:

  • Significant experience (5+ years) in credit card operations, specifically on the issuing side, within a bank or fintech in Vietnam or a similar market.
  • Deep understanding of the credit card lifecycle, including issuance, processing, settlement, reconciliation, and dispute resolution (chargebacks).
  • Experience working with card management systems (CMS) and payment processors (knowledge of vendors like Openway, BPC, M2P, Pismo is a plus).
  • Understanding of card scheme (Visa/Mastercard) rules and operational requirements.
  • Proven ability to design, document, and implement operational processes.
  • Strong problem-solving skills and leadership potential. Familiarity with applying AI concepts or tools to operational challenges.

Good-to-Have Skills & Experience:

  • Experience setting up card operations for a new product or company.
  • Experience managing vendor relationships (processors, card manufacturers).
  • Knowledge of fraud prevention tools and operational procedures.
  • Project management experience.
  • Experience within a bank partnership model.
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