Credit Card Operations Manager
Full-time
GoTyme PH (Philippines)
About GoTyme
GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme’s globally proven digital banking technology and hands-on experience building South Africa’s leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.
At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.
About the role
Lead the end-to-end operations of GoTyme’s Credit Card portfolio, covering card lifecycle management, authorization & clearing flows, billing & statement generation, disputes & chargebacks, collections operations support, reconciliation & settlement, scheme compliance (Visa), vendor/processor governance, and operational excellence. The role ensures scalable, compliant, and customer-centric operations while building strong controls, automation, and data-driven improvements to support portfolio growth.
- Credit Card Operations Management
- Own end-to-end credit card operational processes including:
- Card issuance & activation
- Credit limit maintenance
- Billing & statement generation
- Interest & fee computations
- Payments allocation & reversals
- Card blocking/replacement
- Oversee daily reconciliations (T+1) across authorization, clearing, billing, GL, and settlement accounts.
- Ensure zero aged recon breaks and accurate GL postings.
- Manage chargebacks & disputes in accordance with scheme timelines and internal policies.
- Monitor billing accuracy, finance charge application, and refund processing.
- Ensure compliance with BSP regulations, AMLA, Data Privacy Act, AFASA, PCI DSS, and scheme rules.
- Drive improvements in authorization approval rates and minimize issuer-caused declines.
- Lead vendor governance (processor, scheme, collections partners) including SLA monitoring and service reviews.
- Billing, Collections & Portfolio Controls
- Oversee billing cycle integrity, statement accuracy, and due date management.
- Ensure correct implementation of interest computation, fees, installment conversions, and promo programs.
- Support Collections Operations in operational alignment and data integrity.
- Monitor delinquency-related operational risks and ensure proper system tagging & reporting.
- Operational Excellence & Automation
- Identify automation opportunities in disputes, billing adjustments, reconciliation, and reporting.
- Reduce manual interventions and turnaround times through workflow improvements.
- Define operational KPIs and dashboards (billing accuracy, recon aging, disputes TAT, complaint SLAs).
- Lead root-cause investigations and permanent fixes to systemic issues.
- Stakeholder & Scheme Governance
- Lead Visa service governance (incident management, compliance attestations, scheme reporting).
- Prepare monthly management reports covering:
- Portfolio operational health
- Incident trends
- Financial & reconciliation status
- Regulatory updates
- Partner closely with Product/Business, Engineering, Risk, Finance, Compliance, and Customer Experience.
- People & Ways of Working
- Build and lead a high-performing credit card operations team.
- Set performance standards and clear development plans.
- Establish strong SOP documentation and control frameworks.
Requirements
Must Haves
- Bachelor’s degree in Finance, Accountancy, Banking, IT, Engineering, or related field.
- 6+ years of experience in card operations, including at least 3 years in credit card operations.
- Experience in banking or debit card operations.
- Strong understanding of:
- Credit card billing cycles
- Revolving interest computation
- Installment programs
- Chargeback lifecycle
- Scheme rules (Visa or Mastercard)
- Experience managing processors and vendors.
- Operational rigor & controls mindset; experience establishing strong controls and documentation discipline.
- Analytical problem-solving; uses data to identify operational failure modes and drive permanent fixes.
- Experience leading and coaching operations teams; builds a high-performing, customer-centric team.
- Eligible to work in the Philippines.
- Knowledge of BSP regulations, AMLA, the Data Privacy Act, and PCI DSS fundamentals is a plus.
- Stakeholder management across Product, Engineering, Risk, Finance, Compliance, and external partners is a plus.
- Experience working directly with senior stakeholders such as Visa, regulators, or executive leadership is a plus.
- Resilience & ownership; comfortable with on-call rotations is a plus.
Vacancy posted 7 days ago
Similar jobs that could be interesting for youBased on the Credit Card Operations Manager in Quezon City vacancy
- ...that empowers all Filipinos to navigate a path to financial freedom. About the role Support the day-to-day operational processing of GoTyme’s Card portfolio by performing transaction validations, reconciliations, dispute logging, billing checks, report preparation...
- ...The Operations Manager is responsible for ensuring that a high standard of service is delivered to clients through the effective and efficient use of strategies and other resources. You must apply a wide range of tools to plan, analyze, and oversee the department’s...
- ...Oversee daily business operations and departmental workflows Coordinate, supervise, and delegate tasks to department heads and staff... ..., and operational efficiency across all departments Assist management in planning, strategy development, and business decision-making...
- .... About the role The Operations Associate is tasked with owning... ...). Ticket & Incident Management Monitor, triage, and process... ...closure; document service credits or remediation where applicable... ...CFT awareness, data privacy, card/payments scheme rules, BSP circulars...
- ...financial freedom. About the role We are looking for a Credit Data & Reporting Analyst to support data processes related to... ...In this role, you will contribute to reporting, campaign data management, and process automation while working with large datasets and modern...
- ...Fixed weekends off Duties and Responsibilities: Lead daily operations across Product, Project, IT, and Accounting teams to ensure... ...accurate financial processes. Develop operational policies, manage resources and timelines, and promote continuous improvement for...
- ...The IT Operations Manager is responsible for ensuring the effective operation, control, and governance of the organization's IT infrastructure and technology assets across the head office, retail stores, warehouses, and distribution centers. The role oversees IT asset...
- About TaskUs: TaskUs is a provider of outsourced digital services and next-generation customer experience to fast-growing technology companies, helping its clients represent, protect and grow their brands. Leveraging a cloud-based infrastructure, TaskUs serves clients...
- ...: We're looking for a highly organized and detail-oriented Credit and Collection Associatet to join our finance team. In this role... ...be the bridge between financial control and client relations—managing customer accounts, ensuring timely payments, and maintaining healthy...
- Graduate of Accounting, Finance, Business, or related field Experience in credit, collections, accounts receivable, or risk management Strong leadership and people management skills Analytical, organized, and results-driven Confident in dealing with custQuezon City5 days ago
775000 $ per day
...responsible for overseeing teams of Processors and Analysts under Order management/Billing and Accounts Receivable/Collections. He/ she has... ..., Billing, Cash Applications, Deduction Management and Credit & Collections -B2B) With at least 7 to 8 years of OTC/Accounts...- ...freedom. About the role The Payment & Operations Lead will oversee the day-to-day oversight of GoTyme Bank’s issuer card reconciliation operations, ensuring complete... ...and general ledger reconciliation. Break Management and Resolution: Ensure reconciliation...
- ...BUILD THE FUTURE OF OPERATIONS! Lead dynamic teams, partner with global clients, and enjoy Day 1 HMO plus exceptional employee benefits... ...'ll Bring (Experience) ~8+ years of experience in operations management , preferably in BPO or outsourcing environments ~3–5 years...
- ...role The Product Marketing Manager will own the end-to-end go-to... ...including MoreTyme and other credit products. This is a critical... ...commercially sound, brand-aligned, and operationally feasible. Owns end-to-end... ...personal loans, BNPL, credit cards, or similar products in a...
- Oversee daily operations and streamline processes to enhance productivity. Manage a team of operational staff, providing guidance and support to ensure efficient workflow. Implement and monitor key performance indicators to assess the effectiveness of operations. Coordinate...
Icarus Fastone Telecommunication Equipment & Accessories tra...
Quezon City12 days ago - ...world. Position Summary : The Senior Credit & Collections Representative will be... ...customers alongside the end-to-end credit management tasks, including the calculation,... .... ~ Previous 1+ year of experience operating in a fast-paced accounts receivable or...Remote job
775000 $ per day
...ALREADY HAVE THE RIGHT TO LIVE AND WORK IN THIS COUNTRY ARE ELIGIBLE TO APPLY FOR THIS ROLE--- POSITION TITLE: Capital Markets Operations Manager WORK SETUP: RTO RESPONSIBILITIES: The Vice President (VP) of Corporate Actions is a senior leadership role...- ...growing team Job Summary: We’re looking for a hands-on Operations Leader to help strengthen and scale our client’s regional... ...HR, Support) to keep everything running seamlessly Build and manage strong relationships with customers, ensuring a positive experience...
- ...core team and looking for a People Operations Associate . We prioritize capability... ...who can champion our people processes, manage administrative operations, and foster... ...enrollments, renewals, deletions, card concerns, and credit memo refunds. Address ad-hoc employee...Remote job
- ...navigate a path to financial freedom. About the role The Net Operating Income Analyst is responsible for owning and improving GoTyme... ...budget, forecast, plan, and prior periods. Support monthly management reports, group reporting templates and board pack inputs with...
- ...driven by a passion for excellence, operational efficiency, and customer... ...Job Summary: The Treasury Manager oversees the cash flow and revenue... ...and ensure compliance with bank credit agreements. Manage corporate credit cards and ensure proper usage. Support...
- ...have Bachelor’s degree Must have 8 to 10 Years of banking operations experience Min 6 years Senior leadership experience in Banking... ...in banking customer service preferred Experience of having managed team of agents with a span of 50 FTE Ability to build &...
40000 - 45000 Php
...with hands-on client work. You'll first learn how our business operates by directly by supporting U.S.-based clients before gradually... ...responsibilities. This role is not intended for current Managers, Senior Managers, Heads of Operations, or Director-level candidates...- ...problems, and implement solutions fast. Lead by example: coach, manage, and elevate a diverse clinic team. Handle staff concerns... ..., clinic, retail, bank, hotel, etc.) ~ Strong track record in operations management, process improvement, and staff development ~...
- ...Ideal Candidate Profile What You'll Bring (Experience) ~2–4 years of experience in HR, Employee Relations, People Operations, Workforce Management, or a related field ~ Strong background in employee engagement, employee support, and workforce coordination ~ Excellent...
35000 - 50000 Php
...Position: Operations Administrator Location: Remote (Philippines) Job Type: Full-time Work Schedule: 9:00 AM–5:00 PM Pacific... ...smoothly. Key Responsibilities: Customer Support & Account Management Provide support through phone, live chat, email, tickets,...Remote job775000 $ per day
...platform companies. The Trust and Safety offering within Accenture Operations helps keep the internet safe and helps platform companies... ...and teams on quality issues, changes or trends • Performance Management • Assists in the creation of Performance Improvement Plans (...- ...: Join our team at Thermo Fisher Scientific as a Accounting Operations Analyst III supporting our Record to Report (RtR) Operations. In... ...cleaner and safer. You'll prepare and analyze financial data, manage account reconciliations, and develop process improvements. You'...Remote job
- ...WE’RE HIRING: Partner Account Manager – Philippines Excis is a global IT support leader... ...service delivery, and cost-effective operations across a global partner network. You... ...maintenance of service-level agreements and rate cards that reflect competitive and cost-...
- ...find cures for cancer. DESCRIPTION: We seek a Accounting operation analyst II to contribute to our mission to enable customers to... ...healthier, cleaner, and safer. You'll be part of our Cash Management (RtR) Accounting Operations Team, handling important financial...Remote job
Do you want to receive more vacancies?
Subscribe and receive similar vacancies to Credit Card Operations Manager. Be the first to apply!
