Analyst - Card Operations

Operations – Card Operations /
Full-time /
Nium, the Leader in Real-Time Global Payments 
At Nium, we operate at the intersection of an increasingly interconnected world, where the traditional finance industry has been disrupted, and on-demand is in demand. Our payments infrastructure is leading a transformation in payments, enabling anyone, anywhere to make and receive payments instantly, regardless of the location or currency. We currently support: 
-Regulatory Licenses and Authorizations in 40+ Countries, enabling seamless onboarding, rapid integration, and compliance
-190+ Pay Out Markets – 100+ in real time
-35+ Pay In Markets
-30+ Card Issuance Markets
-100+ Supported Currencies 
Today, Nium is the leader in real-time global payments and the fastest way to send money across borders. We are co-headquartered in San Francisco and Singapore, with regional offices in Australia, Brazil, Hong Kong, India, Indonesia, Japan, Lithuania, London, Malaysia, Malta, Netherlands, and UAE. 

Your next Exciting Role:

This role is the backbone of the prepaid card or debit card department, ensuring the smooth functioning of cardholder accounts and various card-related processes. This role is is responsible for researching and resolving credit card transaction disputes filed by cardholders and accountable for the completion of daily reconciliation processes for card transactions on Nium’s reconciliation platform.

What would a day in your life @Nium look like?

    • Manage cardholder accounts, including processing payments, updating account information, and handling adjustments.
    • Investigate and resolve basic card-related issues, such as lost/stolen cards, late payments, and failed transactions.
    • Independently carry out Reconciliation processes as per prescribed in the Standard Operating Procedures to ensure that settlement with Visa/Mastercard and settlement between NIUM Clients and NIUM are accounted for
    • Swiftly identify root causes for reconciliation exceptions, investigate and resolve the exceptions within stipulated turn around times
    • Accurately report to Nium’s Treasury department, of funds movements required for Settlement with Schemes within a fixed timeline
    • Identify and address risk, process gaps in reconciliation process.
    • Review credit card transaction disputes and analyze account information to understand the nature of the claim.
    • Gather evidence to support or refute the dispute, which may include contacting cardholders for clarification, reviewing transaction details, and retrieving relevant documentation.
    • Investigate and resolve client escalations related to settlement and card transactions.

What expertise & experiences would you need to have to play this kind of role?

    • University degree holder in preferable Business Administration or Commerce
    • 1-2 years relevant experience in Card Reconciliation
    • Highly familiar with Visa and Mastercard Settlement processes in APAC and EU regions
    • Basic accounting knowledge and understanding of fundamental accounting principles (debit vs credit , revenues vs expenses, assets vs liabilities)
    • Intermediate to Advance proficiency level in Microsoft Excel
    • Basic to intermediate level of executing SQL queries
    • Excellent verbal and written communication skills
    • Attention to detail
    • Strong prioritisation and execution skills
    • Team management experience
    • Self-motivated and a good team player.
Depending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job candidates. Please review our Candidate Privacy Notice for more information.

Candidate Privacy Notice:

What we offer at Nium  
We Value Performance: Through competitive salaries, performance bonuses, uncapped sales commissions and robust performance reviews, we ensure that all employees are rewarded and incentivized for their hard work. 
We Care for Our Employees: The wellness of Nium’ers is our #1 priority. In addition to many other benefits, we offer medical coverage, 24/7 employee assistance program, generous time off policies, and a year-end shut down. We also provide a hybrid working environment (3 days per week in the office). 
We Upskill Ourselves: We are curious, always want to learn more and upskill ourselves. As well as role-specific training, we also offer a global learning stipend. 
We Constantly Innovate: Nium continues to be globally recognized for its constant innovations, growth, and employee-centric mindset since our inception: 
-2022 Great Place To Work Certification
-2023 CB Insights Fintech 100 List of Most Promising Fintech Companies
We Celebrate Together: Work is also about having fun with your colleagues and forging deep relationships. We host company-wide social events onsite and virtually, provide team morale budget and bonding activities, happy hours, team offsites, and much more!  
We Thrive with Diversity: Across 33 nationalities and 18+ countries, our diverse and multicultural team embodies our commitment to a safe and welcoming environment for everyone.  
What it’s like to be a Nium'er 
At Nium we center our way of work around 3 core values globally: 
#KeepItSimple: We cut through complexity, simplify at speed and operate with scale in mind. 
#MakeItBetter: We build innovative solutions that make our customers' lives better. 
#WinItTogether: We win in this competitive market by collaborating as one team. 

For more information, visit