Cards Billing Operations Analyst

Company Description

Wise is a global technology company, building the best way to move and manage the world's money.

Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.

For everyone, everywhere.

More about our mission and what we offer.

Job Description

Salary Ranges: 6,500 SGD Per Month + RSUs

We're seeking a Cards Billing Operations Analyst to join our team. This role is crucial for ensuring the financial integrity of our card payment operations, with a specific focus on the complex fee structures of major card schemes like Visa and Mastercard. You'll be responsible for both the detailed, day-to-day operational tasks and the strategic data analysis that helps us optimize our financial performance. We're looking for a professional with a strong cards background who can apply their expertise to investigate issues and make data-driven decisions.

Key Responsibilities

• Perform timely and accurate reconciliation of card scheme fees (Visa and Mastercard) and invoices against internal records to ensure billing accuracy.
• Build and maintain dashboards and reports to track key metrics related to card scheme fees, incentives, and overall billing performance.
• Analyse complex fee data to identify billing discrepancies, resolve issues, and provide clear reporting to stakeholders.
• Apply in-depth knowledge of scheme fees and partner fee structures to develop and implement data-driven controls that proactively ensure correct billing.
• Accurately process and manage incentive programs based on scheme fee structures and contractual agreements.
• Provide comprehensive audit support by preparing and presenting documentation on scheme fees, billing, and incentive processes for internal and external audits.

Qualifications and Skills

• Proven experience in a payments, fintech, or financial services environment, with a strong background in card billing and operations
• A comprehensive knowledge of card scheme fees (Visa and Mastercard) and their structure within the payment ecosystem
• Strong analytical skills with the ability to work with large datasets, identify trends, and solve complex financial issues.
• Proficiency in SQL and experience with data visualisation tools (Looker, Superset, PowerBI, Tableau etc.)
• Meticulous attention to detail and a commitment to maintaining a high level of accuracy in all tasks.
• Excellent communication skills, with the ability to present complex data findings to both technical and non-technical audiences.
• Ability to adapt quickly and learn new systems and fee structures.

Qualifications

• You're comfortable working within teams that face complex issues and take charge in difficult situations, such as engineers or product teams.
• You are a problem-solver, identifying gaps, implementing solutions, and driving continuous improvement.
• You have experience optimizing processes with internal and external partners, focusing on KPIs and SLAs.
• You know how to use data to prioritise tasks that have the most value-add to customers' and measure the impact.
• You prioritize customers and take initiative to drive results.
• A strong communicator, you adapt your style to different audiences.
• You foster an open, collaborative team environment and are passionate about technology and customer experience.
• Skilled at building relationships, you work closely with product teams and external partners, staying curious and committed to learning.
• Bonus: You've worked in card manufacturing or have experience with supply-chain/delivery optimisation.

Additional Information

For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.

Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

Keep up to date with life at Wise by following us on LinkedIn and Instagram.