Zip Co

Director, Payment Operations

Zip Co$185K — $230K *
Finance & Insurance
8 - 10 years of experience
Job Overview by Ladders

Qualifications

  • 10+ years in payment operations or financial services, with 2 years in a leadership role.
  • Experience in payment incident response and effective crisis leadership.
  • Strong knowledge of payment systems and reconciliation processes.
  • Proven ability to develop and lead high-performing teams.
  • Direct experience resolving complex customer escalations with empathy.
  • Data-driven approach to tracking operational metrics and using insights for improvements.
  • Excellent collaboration skills with cross-functional teams including Engineering and Product.

Responsibilities

  • Lead and develop a high-performing payment operations team with a focus on accountability and improvement.
  • Oversee daily operations of the payments platform to ensure smooth payment processes.
  • Define and refine operational procedures and workflows for the team.
  • Monitor operational metrics and SLAs, addressing gaps proactively.
  • Manage payment-related incidents and ensure effective resolution and communication.
  • Identify systemic risks and collaborate with other teams to prevent recurring issues.
  • Provide white-glove service for customers with complex payment issues.

Benefits

  • Start-up equity
  • Full health, vision, and dental coverage
  • Catered lunches and dinners for SF employees
  • Commuter benefits
  • Team-building events and happy hours
  • Flexible PTO
  • Apple equipment plus home office budget
  • 401k plan
Full Job Description


Your Role

Zip is looking for a strategic and hands-on Director, Payment Operations to lead and elevate our Payment Operations function. This is a high-impact leadership role at the heart of Zip's flagship Zip Pay product - a role where you will shape the future of how customers are supported, how incidents are managed, and how our payments platform operates at scale.

You will lead a talented team, directly oversee payment incident management, and serve as an escalation point and white-glove service provider for complex customer issues. You bring equal parts operational rigor, customer empathy, and team-building excellence.

What You'll Do

Team Leadership & People Management
  • Lead, coach, and develop a high-performing Payment Operations team, fostering a culture of accountability, ownership, and continuous improvement.
  • Set clear performance goals, conduct regular 1:1s, and deliver meaningful feedback to support individual career growth.
  • Drive hiring, onboarding, and retention strategies to build a world-class operations team.
  • Create an environment where team members are empowered to make decisions and take ownership of outcomes.
  • Champion people-first leadership, modeling the behaviors and values that define an exceptional team culture.

Payment Operations Management
  • Oversee the day-to-day operations of the payments platform, ensuring all payment flows, and processes run smoothly and on time.
  • Define, document, and continuously refine operational procedures, runbooks, and workflows for the payment operations team.
  • Monitor key operational metrics and SLAs, identifying trends and proactively addressing gaps before they impact customers or the business.
  • Collaborate cross-functionally with Finance, Engineering, Product, Risk, and Legal to drive operational improvements and platform enhancements.
  • Maintain a deep understanding of payment rails, processing systems, and the Zip Pay product ecosystem.

Payment Incident Management
  • Oversee our Payment Incident Manager, owning end-to-end incident response for all payment-related incidents on the Zip Pay platform.
  • Lead real-time triage, escalation, communication, and resolution of payment incidents, minimizing customer and business impact.
  • Facilitate post-incident reviews, root cause analyses, and ensure corrective actions are tracked and completed.
  • Build and maintain a robust incident management framework, including playbooks, escalation paths, and on-call protocols.
  • Proactively identify systemic risks and work with Engineering and Product teams to prevent recurring issues.

Customer Experience & White-Glove Support
  • Roll up your sleeves and work directly on customer tickets and escalations, providing white-glove service to customers with complex payment issues.
  • Set the standard for what exceptional customer support looks like within the payments operations function.
  • Identify patterns in customer issues and advocate for product and process improvements that reduce friction in the customer journey.
  • Partner with the broader Customer Experience team to ensure seamless handoffs and a consistent, empathetic customer experience.

Strategy & Continuous Improvement
  • Help shape the strategic roadmap for how the Payment Operations team supports the next phase of Zip Pay's growth.
  • Drive automation and tooling improvements that scale operations without sacrificing quality or customer experience.
  • Stay current on industry trends, regulatory changes, and best practices in payments and operations management.
Qualifications

We're looking for a candidate who combines operational depth with people leadership excellence. The ideal candidate brings:
  • 10+ years of experience in payment operations, or financial services operations, with at least 2 years in a people leadership role.
  • Demonstrated experience managing payment incident response, with the ability to stay calm and lead effectively under pressure.
  • Strong understanding of payment systems, processing flows, reconciliation, and settlement processes.
  • Proven ability to lead and develop teams - you are known for bringing out the best in the people around you.
  • Experience working directly on customer escalations and delivering exceptional, empathetic customer service.
  • Data-driven mindset with experience tracking operational metrics, and using insights to drive decisions and recommendations, leveraging tools such as Claude.
  • Excellent cross-functional collaboration skills and experience working alongside Engineering, Product, Finance, and Risk teams.
  • Strong written and verbal communication skills, with the ability to communicate complex issues clearly to both technical and non-technical stakeholders.
  • A bias for action combined with a process-oriented mindset - you improve what exists while keeping operations running.


Nice to Have
  • Familiarity with payment platforms with payment methods such as local bank transfers, and wires
  • Background in compliance, fraud operations, or risk management in a payments context.
  • Experience using ticketing systems (e.g., Zendesk) and operational tooling at scale.
  • Bonus point if you have experience working with AI


This role will require you to work outside of business hours from time to time based on business needs.

The salary range for this role is $185,000-$230,000. The salary for this position is determined based on a variety of job-related factors that may include location, relevant experience, education, or particular skills and expertise.

Perks & Benefits

At Zip, we're committed to providing our employees with everything they need to do their best work.
  • Start-up equity
  • 🦷 Full health, vision & dental coverage
  • Catered lunches & dinners for SF employees
  • 🚍 Commuter benefit
  • 🚠 Team building events & happy hours
  • Flexible PTO
  • Apple equipment plus home office budget
  • 401k plan

About Zip Co

Zip Co Limited previously known as ZipMoney Limited is an Australian public limited financial technology company. The company was founded in 2013 and is headquartered in Sydney. In September 2020, Zip acquired the US-based ‘Buy Now, Pay Later’ company Quadpay to grow its American footprint. The company now has operations in Australia, Canada, Czech Republic, India, Mexico, New Zealand, the Philippines, Poland, Saudi Arabia, Singapore, South Africa, UAE, the United Kingdom and the USA. It currently has around 81,000 retail partners and over 9,900,000 customers. As of March 2021, Zip Co's market cap was $5.83 billion.
Learn more about Zip Co

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