Full Job Description
Job Summary:
We are seeking a highly motivated and detail-oriented Payment Optimization Manager to join our growing team. This role is critical to managing TomoCredit's payment ecosystem-including card issuers, payment gateways and banks. As part of the product team, you will play a key role in optimizing every transaction on our platform and ensuring the payment system is optimized for long-term success.
Key Responsibilities:
- Improve authorization rate and reduce payment failures.
- Communicate with banking and network partners to troubleshoot reporting inconsistencies and maintain operational alignment.
- Manage and resolve issues related to payment failures, chargebacks, disputes, and bank escalations.
- Partner with product and engineering teams to define requirements and implement improvements for payment-related systems and tools.
- Design and maintain real-time operational reports and dashboards using tools like Looker Studio and Google BigQuery.
- Drive documentation efforts in partnership with Technical Writers to build clear and accessible internal and external resources.
- Conduct root cause analysis on transaction anomalies and recommend systematic process improvements.
- Own development and reporting of reconciliation metrics and Payment Operations KPIs for internal stakeholders.
- Identify operational pain points and implement scalable process enhancements to support company growth.
Qualifications:
- 4+ years of product or operation experience in a fast-paced company, with at least 3+ years in payment operations, processing, or digital banking.
- Deep technical knowledge of payment systems, money movement, card issuing, and settlement processes.
- Proven ability to work cross-functionally in a fintech environment.
- High proficiency in SQL, with experience writing complex queries, joins, and optimizations (Google BigQuery preferred).
- Strong analytical mindset with a track record of resolving complex transaction issues.
- Expert in Excel/Google Sheets; comfortable building financial models and reconciliations from scratch.
- Working knowledge of accounting and financial reporting, especially around reconciliation.
- Excellent written and verbal communication skills with attention to detail and documentation.
- You're an execution power-house. Work independently, prioritize, and meet deadlines in a remote-first environment.
- Strong sense of ownership, curiosity, and a solution-oriented attitude.
Why TomoCredit?
Join a team where your work makes a significant impact on the future of credit and banking. At TomoCredit, you'll collaborate with seasoned FinTech executives from Square, Lending Club, and American Express. We're committed to fostering a culture where people love what they do and the team they work with. Here's what we offer:
- Competitive Salary: Reflecting your skills and experience.
- Equity: We share our success with our employees through ownership stakes.
- Insurance: Comprehensive medical, dental, and vision benefits.
- Flexible Vacation Policy: We trust you to manage your time wisely to prevent burnout.
- Career Growth Opportunities: Take advantage of mentorship from seasoned professionals and expand your role as TomoCredit grows.
- Company-Sponsored Outings: Build meaningful relationships with your team outside of work.
