Payment Operations Lead

CreditGenie, Inc.

Job Overview

Location

Philadelphia, PA

Job Type

Full-time

Full Job Description

📋 Description

• Own end-to-end payment strategy across ACH, card networks, and banking partners, designed to scale to millions of transactions per day
• Design and optimize payment processing infrastructure for speed, efficiency, reliability, and cost-effectiveness at high volume
• Develop and own the payments roadmap, aligning strategic vision with execution across Engineering, Finance, and Operations
• Build and maintain a fully auditable reconciliation framework that accurately tracks transactions across internal systems and external partners
• Drive automation initiatives to eliminate manual work in exception management, reconciliation workflows, and cost attribution
• Partner with Treasury and Risk teams to optimize float management, settlement timing, and capital efficiency
• Lead fraud prevention and dispute resolution strategy across ACH and card payment channels, including detection, response, and recovery
• Manage ACH risk end-to-end: handling unauthorized transactions, returns, network compliance, and exception resolution
• Serve as the internal authority on payment network rules, edge cases, and risk exposure across all payment rails
• Translate complex technical constraints in payment systems into clear strategic priorities and communicate them to Engineering, Compliance, Finance, and Risk stakeholders
• Work directly with transaction-level data to diagnose system failures, surface operational patterns, and inform decision-making
• Drive cross-functional execution with Engineering, Risk, Operations, and Compliance teams to continuously improve the payments stack
• Collaborate with product and engineering leaders to ensure payment systems meet scale, compliance, and user experience requirements
• Act as the primary point of contact for banking partners and card network relationships, ensuring adherence to operational and regulatory standards
• Monitor and respond to real-time payment failures, settlement discrepancies, and network outages with minimal downtime
• Maintain documentation of payment workflows, failure modes, and mitigation strategies to ensure organizational knowledge continuity
• Balance innovation with regulatory compliance in the design and evolution of payment infrastructure
• Lead incident response for critical payment disruptions and implement root cause analyses to prevent recurrence
• Align payment operations with corporate financial controls, audit requirements, and internal compliance frameworks
• Champion operational excellence through data-driven decisions, performance metrics, and continuous improvement initiatives

🎯 Requirements

• 7+ years of experience in payments, within product management, payment operations, or a combination of both
• Deep working knowledge of ACH and card networks: the rules, the edge cases, the failure modes, and how to build systems that handle them at scale
• Proven track record building or operating high-volume payment systems with millions of transactions per day, optimized for speed and cost efficiency
• Hands-on expertise in payments fraud, dispute resolution, and ACH risk management
• Strong project management skills to align and drive execution across Risk, Engineering, Compliance, and Finance simultaneously
• Comfortable working directly with transaction-level data to diagnose problems, surface patterns, and drive decisions

🏖️ Benefits

• 100% company-paid medical, dental, and vision coverage for you and your dependents on your first day of employment
• Up to $100 per month in fitness reimbursement or complimentary full membership to LifeTime Fitness or Equinox
• 401(k) with a 3.5% match and immediate vesting
• Meal program available for both lunch and dinner
• Pre-tax benefits, including a $1,000 HSA match
• Life and accidental insurance
• Flexible PTO

Skills & Technologies

Swift

Rails

Senior

Remote

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CreditGenie, Inc.

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About CreditGenie, Inc.

CreditGenie offers cash-advance and financial-wellness services through a mobile app that tracks spending, flags upcoming bills, and provides small-dollar advances without traditional interest. Users link bank accounts to receive personalized budgeting insights and optional advances against future income, repaid automatically on the next payday. The company also markets credit-monitoring and identity-protection add-ons. Headquartered in Philadelphia, it partners with Pathward, N.A. for banking services and operates under state lending licenses across the U.S.

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