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.