Payment Optimization Manager

Summary

TomoCredit is a FinTech company focused on reshaping the credit system and expanding access to banking. The Payment Optimization Manager will manage and optimize the company’s payment ecosystem, improve transaction performance, resolve payment issues, and develop operational metrics, reports, and scalable process enhancements.

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

Skills

• 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
• High proficiency in SQL, with experience writing complex queries, joins, and optimizations (Google BigQuery preferred)

Qualifications

Must Haves

• 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

Nice to Haves

• High proficiency in SQL, with experience writing complex queries, joins, and optimizations (Google BigQuery preferred)

Benefits

• 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.