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 DescriptionWe are looking for a Technical Team Lead to take ownership of two critical Global Cards Operations domains: Cards Billing Operations and Cards Settlement Operations. You will sit at the intersection of operations, product, and engineering, leading technical initiatives that drive down costs, eliminate junk fees, and ensure our scheme payouts are executed flawlessly and on time.
As the Technical Team Lead for Cards Billing & Settlements, you will be the operational owner and technical anchor for your domains. You won’t just be keeping the lights on—you will be re-engineering how we work. Your focus will be divided between two core missions:
Cards Billing Operations: Maintaining and optimizing scheme and partner costs. You will spearhead technical initiatives to increase fee transparency, reconcile complex billing data, and aggressively root out and reduce junk fees.
Cards Settlement Operations: Ensuring that settlement payouts to card schemes (e.g., Visa, Mastercard) are executed strictly on time, while continuously looking for structural ways to reduce settlement costs.
What You’ll Do (Key Responsibilities & KPIs)
- Drive domain strategy and cost ownership
Define the strategy for Spend Billing and Settlement Operations, with a focus on reducing operational costs with schemes, including Visa and Mastercard while maintaining on-time payout SLAs and strong internal controls. - Own the yearly roadmap and team OKRs
Translate business priorities into a clear roadmap, actionable OKRs, and team plans that support Product initiatives such as country launches, new products (add-ons, credit), contribution margin improvements, and operational scalability. - Own Billing and Settlement performance
Be accountable for key domain KPIs, including settlement payout SLA, billing reconciliation rate, cost per transaction and avoidable cost reduction. - Drive technical problem solving and automation
Lead root-cause analysis for settlement delays, payout discrepancies, billing issues, and control gaps. Ensure that incidents are driven to resolution. Design scalable solutions that reduce manual reconciliation and payout. - Own audit, compliance, and control readiness
Ensure scheme mandates are effectively rolled out. Act as the main POC for external auditors to provide control evidence and ensure remediation actions are implemented timely. Continuously improve Billing and Settlement processes with appropriate checks, approvals, and accountability. - Act as the main cross-functional point of contact
Partner with Finance, Treasury, Analysts, Payment Operations, Internal Controls across Tallinn and London to raise or resolve billing and settlement matters including, month-end reporting, internal controls reports, banking integrations (especially with US BIN sponsors). - Manage, coach, and upskill the team
Directly manage the team, clarify ownership, support performance and growth, and upskill team members in project management, SQL, dashboards, automation thinking, and practical AI usage to improve efficiency.
- Strong Visa/Mastercard billing and settlement domain expertise, including scheme billing, settlement cycles, mandates and partner cost structures.
- Strong understanding of relevant payment methods and banking integrations, including how settlement payouts are executed through existing payment rails such as direct debits, bank transfers, or other payout mechanisms.
- People management skills to directly manage, coach, develop, and upskill the team.
- Strategic planning skills to own yearly roadmaps, OKRs, priorities, and delivery plans across Billing and Settlement Operations.
- Stakeholder management skills with the ability to context-switch easily.
- Clear decision-making and communication skills to explain complex billing, settlement, cost, and control issues to senior stakeholders.
- Prioritisation and trade-off judgment across SLA delivery, cost reduction, audit readiness, Product launches, and team capacity.
If you're interested in the position please apply the latest on the 7th of August 2026 by submitting your CV in English.
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.
Skills Required
- Strong Visa/Mastercard billing and settlement domain expertise, including scheme billing, settlement cycles, mandates and partner cost structures.
- Strong understanding of payment methods and banking integrations, including settlement payout execution via payment rails.
- People management skills to directly manage, coach, develop, and upskill the team.
- Strategic planning skills to own yearly roadmaps, OKRs, priorities, and delivery plans across Billing and Settlement Operations.
- Stakeholder management skills with the ability to context-switch easily.
- Clear decision-making and communication skills to explain complex billing, settlement, cost, and control issues to senior stakeholders.
- Prioritisation and trade-off judgment across SLA delivery, cost reduction, audit readiness, Product launches, and team capacity.
What the Team is Saying
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Wise Compensation & Benefits Highlights
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Equity Value & Accessibility — Equity is granted to all employees via time‑based RSUs/stock awards, aligning staff with company performance. This broad accessibility makes ownership a core part of total rewards.
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Leave & Time Off Breadth — Policies include a global minimum of 33–36 paid days off and a paid six‑week sabbatical after four years with a cash stipend. The sabbatical is positioned as a standard milestone benefit in addition to annual leave.
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Parental & Family Support — Wise commits to a minimum of 18 weeks’ fully paid parental leave for birth or adoption across many offices. Eligibility rules and tenure may apply by location while maintaining a companywide minimum standard.
Wise Insights
What We Do
Wise is a global technology company, building the best way to move and manage the world's money. With Wise Account and Wise Business, people and businesses can hold 40 currencies, move money between countries and spend money abroad. Large companies and banks use Wise technology too; an entirely new network for the world's money. Launched in 2011, Wise is one of the world’s fastest growing, profitable tech companies. In fiscal year 2025, Wise supported around 15.6 million people and businesses, processing over $185 billion in cross-border transactions and saving customers around $2.6 billion.
Why Work With Us
We’re truly global in who we are, how we work, and how we build. Everything we do is centred around creating a world of money that’s fast, easy, fair. And open to all. Everyone who works here owns a piece of Wise, from the work they do, to the stock they hold.
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Wise Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
We expect new joiners in the office most days to build connections and learn from colleagues for their first six months. After that, most Wisers split their working week between the office and home, typically coming in at least 12 times a month.
