Operations Associate (Binance Pay & Card)

Job Overview

The successful candidate will own end-to-end operational processes, Finance and Merchant operations for Binance Pay & Card — ensuring accurate, timely settlement and reconciliation, proactive chargeback management, account management and growth. The individual will work across multiple markets globally and collaborate closely with Product, Risk, Compliance, Finance teams as well as external stakeholders.

Responsibilities

Card operations

Monitor and improve card program key metric rates

Support card growth initiatives and marketing

Work with stakeholders to investigate and resolve any operational issues

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




Finance operations

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




Merchant operations

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




Cross-Functional & General

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

Requirements

• 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

Preferred Qualifications

• Experience working in a crypto, Web3, or digital asset environment

• Exposure to merchant operations or B2B account management in a payments context

• Understanding of FX settlement mechanics, clearing cycles, or card network economics

• Experience with Tableau, Looker, Metabase, or equivalent BI tools

Why Binance