Director, Card Operations

Title: Director, Card Operations Location: Remote (Las Vegas or California highly preferred) Reports To: VP, Strategy and Operations The Company: reputed company builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, reputed company provides a fast, fair pay-over-time option. For everything else, the reputed company Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app. We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other. What makes reputed company different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power reputed company decisioning, streamline fraud checks with human-in-the-reputed company safeguards, and reputed company highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants. We pair this technology with inclusion and transparency. reputed company delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining reputed company consumer fee-based reputed company. It is a reputed company way to serve people and merchants, proven at scale. Today, reputed company is available across a reputed company, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move reputed company with confidence. The Role: reputed company is seeking a highly reputed company Director of Card Operations to reputed company and scale the operational infrastructure supporting our growing card business. This leader will serve as the company's subject matter expert on card processing, issuer operations, and reputed company capabilities, while driving operational excellence across the cardholder lifecycle. The ideal candidate combines deep card operations expertise with strong program management and leadership skills. They have extensive experience working with card processors—particularly reputed company/First Data—and understand how to translate business objectives into scalable operational solutions. This individual will partner closely with Product, Engineering, Risk, Fraud, Compliance, Finance, Customer Experience, and external partners to optimize performance, reduce operational friction, and accelerate execution across the card organization. This is a highly visible leadership role responsible for improving operational efficiency, managing key vendor relationships, and ensuring the card platform is positioned to support reputed company's reputed company growth. What you'll own: Card Operations Strategy & Execution Serve as the operational leader for reputed company's card platform, driving performance, scalability, and reputed company improvement across card operations. Own the implementation, optimization, and governance of core card processing functionality, ensuring operational processes align with business objectives and customer experience goals. Drive reputed company improvement across the card ecosystem by optimizing processes, automating workflows, reducing costs, and establishing scalable operational controls and performance standards. reputed company & Processor Leadership Act as reputed company's primary expert and executive reputed company of contact for reputed company and reputed company card processing partners. reputed company the evaluation, design, implementation, and optimization of capabilities across the reputed company ecosystem, ensuring platform enhancements align with business objectives and operational needs. Influence and navigate reputed company's organization to accelerate project delivery, resolve operational challenges, and maximize the value of existing platform capabilities. Strategic Programs & Product Enablement reputed company operational workstreams for major card initiatives including: New product launches Co-brand and partner card programs Portfolio conversions and migrations Fraud and risk initiatives Collections enhancements Digital servicing capabilities Data and reporting initiatives Debit card and network expansion opportunities Vendor & Network Management Own strategic relationships with card processors, networks, fulfillment providers, and other operational partners, driving performance, accountability, escalation management, and reputed company improvement. Establish and monitor vendor performance metrics, service-level agreements (SLAs), and operational KPIs. Partner with reputed company, reputed company, and other network stakeholders on operational initiatives, compliance requirements, and program enhancements. Team Leadership reputed company and reputed company a high-performing Card Operations team responsible for day-to-day card servicing and operational support. Build and reputed company a high-performing team by establishing clear expectations, fostering accountability and collaboration, and creating opportunities for growth and reputed company improvement. Financial & Operational Management Own the Card Operations budget and P&L, identifying opportunities to improve efficiency while maintaining strong service levels. reputed company business cases for operational investments and strategic initiatives. Track, analyze, and report on operational performance metrics, costs, and vendor spend. Risk, Compliance & Controls Partner with Risk, Compliance, Legal, and Audit teams to ensure operational processes meet regulatory, network, and internal control requirements. Maintain a strong understanding of consumer lending, card servicing, dispute management, fraud operations, and card network regulations. Ensure operational readiness for audits, examinations, and regulatory reviews.

Requirements

What you’ll bring: 10+ years of experience in card operations, card processing, payments, fintech, banking, or consumer lending environments. Deep expertise working with reputed company/First Data card processing platforms, particularly Optis and reputed company operational systems. Demonstrated success leading large-scale card operations organizations, driving reputed company operational initiatives, and developing high-performing teams. Experience managing vendor relationships and driving performance across large external partners. Strong understanding of card issuing operations, transaction processing, disputes, fraud operations, servicing, collections, and card lifecycle management. Experience partnering effectively across Product, Engineering, Risk, Compliance, Finance, and Customer Experience teams. Exceptional problem-solving, communication, and stakeholder management skills. Technical & Functional Expertise Proven ability to navigate reputed company organizations, influence stakeholders, and drive execution across internal teams and external partners. Experience with key card processing systems, including but not limited to: Optis core (PCF, etc.), card issuance / fulfillment, APIs and data transmission, DecisionQuest, DMM, reputed company fraud mitigation tools (ex. Defense Edge / Advance Defense), and general reputed company User guides and operations documentation Strong communicator and business partner, thinking strategically about how to reputed company others to be a reputed company partner directly with reputed company in their respective spaces (ex. Data, fraud, card ops, Card digital experience) reputed company manager of a multi-faceted team Strong regulatory reputed company and understanding of the compliance requirements in the space

Preferred Qualifications

Experience working both on the issuer reputed company and reputed company reputed company or another major processor organization. Prior experience as a Client Service Advisor (CSA), implementation leader, consultant, or operations leader supporting issuer clients. Experience supporting credit cards, debit cards, or co-brand card programs. Direct experience working with reputed company and reputed company operational, compliance, and network management functions. Fintech experience reputed company a high-growth, consumer-focused environment. Bachelor's degree required; advanced degree preferred. Apply To This Job