Payment Operations Manager

Job Summary We are seeking a detail-oriented and execution-focused Senior Executive / Assistant Manager, Payment Operations to support and deliver end-to-end digital payment operations within our Singapore business. This role is designed for a hands-on individual contributor who thrives in operational environments, ensuring accuracy, timeliness, and compliance across transaction processing, reconciliation, and settlement activities, while contributing to continuous improvement initiatives. Work Function & Key Tasks Merchant Management - Manage end-to-end merchant onboarding, including KYC review, account setup, agreement execution, and system integration - Provide ongoing account support and resolve merchant operational and service-related issues - Conduct periodic account reviews to ensure compliance and service quality Payment Operations Execution - Execute daily end-to-end payment operations, including transaction processing, reconciliation, settlement updates, and month-end closing - Monitor transaction flows and ensure accuracy, completeness, and timeliness of financial data - Investigate discrepancies, settlement exceptions, delays and operational issues, and follow through to resolution Reconciliation, Controls & Risk Monitoring - Perform detailed reconciliation to identify mismatches, missing transactions, or irregularities - Execute operational controls and checks to minimise errors and prevent revenue leakage - Support operational risk reviews and ensure adherence to internal control frameworks Compliance & Regulatory Alignment - Support compliance with Singapore payment regulations and internal governance requirements - Maintain accurate records and documentation for audit, reporting, and regulatory purposes Data Analysis & Reporting - Analyse payment data to identify trends, recurring issues, and operational inefficiencies - Prepare dashboards, reports, and summaries to support operational and management decision-making - Translate data insights into actionable improvements Stakeholder Collaboration & Issue Resolution - Work closely with cross-functional teams (e.g. Finance, Compliance, Risk, Product, Technology) to resolve operational issues - Coordinate with internal and external stakeholders to ensure smooth payment operations, timely issue resolution and service delivery Process Improvement & Documentation - Identify process gaps and recommend practical improvements to enhance efficiency and scalability - Support and maintain accurate operational records, reports, SOPs, and escalation procedures - Contribute to system enhancements and operational readiness for new products/services Required competencies and certifications - Proven expertise in payment operations, fintech, banking, financial operations, settlement operations, reconciliation, merchant operations or related operations roles with at least 5 years of experience in payment services - Excellent at transaction processing, reconciliation, settlement, month-end closing or operational reporting - Strong analytical and problem-solving abilities to interpret data - Ability in process improvements, SOP documentation, operational controls or system enhancement projects - Proficient leadership skills in managing teams, fostering cross-functional collaboration with effective communication skills to liaise with internal stakeholders such as Finance, Compliance, Risk, Product, Technology and Operations, and external stakeholders - Familiarity with Singapore payment operations, APIs, or system integrations, regulatory requirements or risk control frameworks is preferred Preferred competencies and qualifications - Diploma or Bachelor’s degree in Business, Finance, Accounting, Banking, Operations, or related fields - Candidates with relevant hands-on experience in payment operations, fintech, banking operations, reconciliation, or settlement are encouraged to apply - 4–7 years of relevant operational experience in payments or financial services preferred - Relevant certifications in payments, compliance, risk, data analytics, or process improvement are advantageous - Prior experience working in a China-headquartered organisation or counterpart is a plus What We Offer - Competitive salary and performance bonus. - Exposure to a fast-growing payments ecosystem. - Opportunities for skills development and career progression.