Own end-to-end operational processes, Finance and Merchant operations for Binance Pay & Card
Ensure accurate, timely settlement and reconciliation, proactive chargeback management, account management and growth
Monitor and improve card program key metric rates
Support card growth initiatives and marketing
Investigate and resolve any operational issues with stakeholders
Own the end-to-end card chargeback lifecycle: intake, investigation, representment and resolution with users and relevant stakeholders
Track chargeback trends and root-cause insights to maintain acceptable level of the chargeback ratio
Perform daily/weekly/monthly reconciliation and resolve discrepancies
Maintain reconciliation logs, escalate aged exceptions per SLA
Support fund transfers, payments and ensure smooth program operations
Monitor payment success rates and failure categorisation
Assist in month-end close procedures and reporting
Manage onboarding workflows for new Pay and Card merchants
Maintain onboarding trackers and ensure data hygiene to ensure compliance across merchants
Serve as contact point for assigned merchant accounts
Prepare merchant performance reports and QBR materials to achieve targets
Conduct data analysis to support growth
Build and maintain operational reporting templates for card KPIs, settlement metrics, and merchant health
Contribute to SOP creation, process documentation, and playbook maintenance
Participate in UAT and operational readiness testing for new product launches

Minimum 3 years of experience in a payments, fintech, or banking operations role
Hands-on experience with card products (credit, debit, or prepaid) strongly preferred
Familiarity with chargeback/dispute resolution processes (Visa/Mastercard rules is a plus)
Strong analytical skills with proficiency in Excel/Google Sheets; SQL or BI tool experience is a plus
Self-organised with high attention to detail; able to manage multiple workstreams independently
Excellent written and verbal communication skills in English
High accountability — comfortable owning outcomes, not just tasks
Experience working in a crypto, Web3, or digital asset environment (preferred)
Exposure to merchant operations or B2B account management in a payments context (preferred)
Understanding of FX settlement mechanics, clearing cycles, or card network economics (preferred)
Experience with Tableau, Looker, Metabase, or equivalent BI tools (preferred)

Work-from-home arrangement (the arrangement may vary depending on the work nature of the business team)
Opportunities for career growth and continuous learning
Competitive salary and company benefits

Operations Associate – Binance Pay, Card

Key skills