Join the Revolution in Vietnamese Fintech!
We're a dynamic fintech startup on a mission to revolutionize how Gen Z and Millennials in Vietnam experience credit, payments and BNPL. Forget clunky processes and outdated apps – we're building a sleek, mobile-first digital credit card and PayLater experience from the ground up. Partnering with a leading bank, we combine stability with cutting-edge tech (think cool SaaS platforms + our own awesome frontend!) to deliver a product that truly understands the digital generation.
Founded by former McKinsey partners and backed by a global VC, we're on the lookout for the next generation of visionaries are not afraid of challenging the status quo. This is your chance to get in on the ground floor, shape a game-changing product, work with the latest tech (including AI!), and make a real impact in one of Southeast Asia's fastest-growing markets (and beyond). If you're ambitious, thrive in a fast-paced startup environment, and want to build something amazing, keep reading!
Role Overview:
Build the engine that keeps our cards running smoothly! Design, implement, and oversee all card operations processes from the ground up.
Manage the day-to-day relationship and operational workflows with our partner bank and key SaaS vendors (CMS, processor).
Define and manage processes for card issuance (virtual & physical), activation, fulfillment (if applicable), and lifecycle management.
Establish and oversee critical back-office functions: reconciliation, settlement with the bank/schemes, dispute management (chargebacks), and fraud operations support.
Develop operational KPIs, monitoring dashboards, and SOPs to ensure efficiency, accuracy, and compliance.
Build and lead a small, agile card operations team. Explore and implement AI tools for process automation, anomaly detection in transactions, or optimizing dispute resolution workflows.
Must-Have Skills & Experience:
Significant experience (5+ years) in credit card operations, specifically on the issuing side, within a bank or fintech in Vietnam or a similar market.
Deep understanding of the credit card lifecycle, including issuance, processing, settlement, reconciliation, and dispute resolution (chargebacks).
Experience working with card management systems (CMS) and payment processors (knowledge of vendors like Openway, BPC, M2P, Pismo is a plus).
Understanding of card scheme (Visa/Mastercard) rules and operational requirements.
Proven ability to design, document, and implement operational processes.
Strong problem-solving skills and leadership potential. Familiarity with applying AI concepts or tools to operational challenges.
Good-to-Have Skills & Experience:
Experience setting up card operations for a new product or company.
Experience managing vendor relationships (processors, card manufacturers).
Knowledge of fraud prevention tools and operational procedures.
Project management experience.
Experience within a bank partnership model.
Skills Required
- 5+ years experience in credit card operations on the issuing side within a bank or fintech (Vietnam or similar market).
- Deep understanding of the credit card lifecycle: issuance, processing, settlement, reconciliation, dispute resolution (chargebacks).
- Experience working with card management systems (CMS) and payment processors.
- Familiarity with vendors such as Openway, BPC, M2P, Pismo (plus).
- Understanding of card scheme (Visa/Mastercard) rules and operational requirements.
- Proven ability to design, document, and implement operational processes and SOPs.
- Strong problem-solving skills and leadership potential; ability to build and lead a small operations team.
- Familiarity with applying AI concepts or tools to operations (automation, anomaly detection, dispute workflows).
- Experience setting up card operations for a new product or company.
- Experience managing vendor relationships (processors, card manufacturers).
- Knowledge of fraud prevention tools and operational procedures.
- Project management experience.
- Experience working within a bank partnership model.
What We Do
Circle Asia is an AI-powered, credit-led neobank on a mission to become the leading digital bank in Vietnam. The company leverages a proprietary technology stack to offer a seamless payment experience, including digital credit cards, spending insights, and flexible PayLater options. Founded by former McKinsey partners and backed by global investors, Circle Asia focuses on transparency and empowering users to make informed credit decisions.
