{"id":984318,"url":"https://alion.io/job/renmoney-cards-operation-manager","title":"Cards Operation Manager","company":{"id":6761,"name":"Renmoney","domain":"renmoney.com","url":"https://alion.io/company/renmoney","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":{"grade":"C","score":66,"open_postings":62,"ghost_share":0.484,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":64,"computed_at":"2026-11-03T05:54:40Z"}},"role":"Management","role_family":"Management","seniority":null,"employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Lagos, Nigeria"],"countries":["NG"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-09-16T22:54:52Z","employer_posted_date":"2026-09-16","last_verified_at":"2026-11-03T08:49:56Z","board_verified":true,"closed_at":null,"days_open":47,"trust":{"level":"ok","repost_count":0,"flags":["company_stale"],"days_open":47},"description":"The Card Operations Manager is responsible for the effective day-to-day management of Renmoney’s debit and credit card operations, ensuring operational stability, regulatory and scheme compliance, accurate reconciliation and settlement, effective fraud controls, efficient card issuance and personalisation, and a consistently positive cardholder experience.\nThe role will oversee the end-to-end operational processes supporting the card business and work closely with internal stakeholders, card schemes, processors, personalisation bureaus and other service providers to ensure that card products are delivered reliably, securely and efficiently.\n1. Card Operations Management\nManage the end-to-end operational processes for Renmoney’s debit and credit card portfolio, including card issuance, personalisation, activation, transaction processing, reconciliation, settlement and dispute management.\nEnsure card operational processes are efficient, scalable and appropriately controlled.\nIdentify opportunities to automate manual card operations processes and improve turnaround times.\nMonitor operational performance and proactively address issues that could affect card availability, transaction processing or customer experience.\nDevelop, maintain and continuously improve card operations procedures, process maps and operating manuals.\n2. Regulatory and Card Scheme Compliance\nEnsure card operations comply with all applicable CBN, NIBSS and card scheme requirements, including Mastercard, Verve, Visa and AfriGO requirements w\nMonitor changes in regulatory and scheme rules and coordinate implementation of required operational changes.\nEnsure all required regulatory and scheme reports are accurate and submitted within stipulated timelines.\nCoordinate responses to internal audits, external audits, regulatory reviews and card scheme assessments.\nEnsure audit and compliance findings relating to card operations are addressed within agreed timelines.\n3. Card Issuance, Personalisation and Inventory Management\nManage card ordering, inventory, personalisation, activation and distribution processes.\nMaintain adequate card stock levels to support approved issuance plans and prevent stock-outs.\nWork closely with card personalisation bureaus and other service providers to ensure cards are produced and delivered within agreed service levels.\nMonitor card issuance turnaround times and resolve operational bottlenecks.\nEnsure appropriate controls are maintained over blank cards, personalised cards, PINs and other sensitive card materials.\n4. Transaction Processing, Reconciliation and Settlement (this is primarily handled by the central operations team; the job of the card ops manager here will be to ensure everything is done correctly, within stipulated timelines and in line with regulations)\n· Oversee daily reconciliation of card transactions across relevant channels, processors, card schemes and settlement accounts.\nEnsure reconciliation is completed within agreed timelines and discrepancies are promptly investigated and resolved.\nWork closely with Finance, Technology, Risk and relevant partners to resolve settlement and reconciliation breaks.\nEnsure the accuracy and completeness of operational card data used for financial, risk and management reporting.\nMonitor outstanding reconciliation items and ensure timely closure.\n5. Fraud Risk and Card Security\nWork with Risk, Fraud and Information Security teams to strengthen fraud prevention, monitoring and response across Renmoney card products.\nEnsure fraud alerts and suspicious card transactions are reviewed and escalated promptly.\nCoordinate investigations and resolution of card-related fraud incidents.\nMonitor card fraud trends and recommend operational controls to reduce fraud exposure and losses.\nEnsure operational processes comply with applicable card security and data-protection requirements.\n6. Dispute and Chargeback Management (this is primarily handled by the central operations team; the job of the card ops manager here will be to ensure everything is done correctly, within stipulated timelines and in line with regulations)\nOversee cardholder disputes, chargebacks, reversals and transaction-related investigations.\nEnsure disputes are processed in accordance with card scheme rules and agreed customer service timelines.\nMonitor outstanding dispute cases and ensure timely resolution.\nAnalyse dispute trends and recommend process improvements to reduce recurring issues.\n7. Vendor and Partner Management\nManage operational relationships with key card ecosystem partners, including processors, personalisation bureaus, card schemes and other service providers.\nMonitor vendor performance against contractual service-level agreements.\nConduct regular operational and service review meetings with key partners.\nEscalate and drive resolution of high-impact service issues.\nMaintain appropriate documentation of vendor performance, incidents and remedial actions.\n8. Customer Experience and Issue Resolution\nPartner with Customer Experience and other relevant teams to ensure card-related customer complaints and operational issues are resolved promptly.\nMonitor card-related customer complaints, turnaround times and recurring issues.\nConduct root-cause analysis of significant or repeated customer issues and implement corrective actions.\nDrive initiatives that improve the reliability and quality of the cardholder experience.\n9. Management Information and Reporting\nPrepare periodic card operations reports for management covering operational performance, issuance, reconciliation, fraud, disputes, customer complaints, vendor performance and key incidents.\nMaintain accurate operational dashboards and performance indicators.\nProvide timely insights on operational risks, trends and emerging issues.\nSupport budgeting, forecasting and operational planning for the card business.\n10. Stakeholder Management\nCollaborate with Product, Technology, Finance, Risk, Compliance, Customer Experience, Internal Audit and other internal stakeholders to support the card business.\nSupport the launch of new card products, features and operational capabilities.\nRepresent Card Operations in relevant internal governance forums and partner engagements.\nEnsure operational readiness before the launch of new card products, programmes or functionality.\nKey Performance Indicators\nPerformance will be measured across the following areas:\nZero regulatory sanctions or card scheme penalties arising from card operations.\nTimely closure of audit and compliance findings.\n100% timely submission of applicable regulatory and scheme reports.\nReduction in manual operational processes and card-related escalations.\nCompletion of transaction reconciliation within agreed T+1 timelines.\nReduction in confirmed card fraud losses and timely review of fraud alerts.\nAchievement of agreed vendor SLA performance.\nTimely resolution of high-impact vendor incidents.\nReduction in card-related customer complaints and repeat complaints.\nAchievement of card personalisation and activation turnaround times.\nPrevention of material card stock-outs.\nAchievement of agreed reconciliation accuracy levels and timely closure of reconciliation breaks.\nTimely delivery of management and operational reports.\nRequirements\nBachelor’s degree in Finance, Banking, Business Administration, Economics, Accounting, Information Technology or a related discipline.\nRelevant professional certifications in cards, payments, banking operations, risk, fraud or project management would be an advantage.\nMinimum of 5-7 years’ experience in banking, fintech, payments or card operations, with at least 2-3 years in a supervisory or managerial capacity.\nStrong practical knowledge of debit and/or credit card operations.\nExperience working with card schemes such as Mastercard, Verve and/or AfriGO.\nGood understanding of card transaction processing, reconciliation, settlement, disputes, chargebacks, fraud management and card personalisation.\nFamiliarity with CBN, NIBSS and applicable payment-card regulatory requirements.\nExperience managing processors, card bureaus, card schemes and other third-party service providers.\nRequired Skills and Competencies\nStrong understanding of the cards and payments ecosystem.\nExcellent operational and process-management skills.\nStrong analytical and problem-solving capability.\nGood understanding of operational risk, fraud and control frameworks.\nStrong reconciliation and financial-control orientation.\nExcellent vendor and stakeholder management skills.\nStrong attention to detail and commitment to accuracy.\nAbility to manage multiple operational priorities and incidents simultaneously.\nStrong written and verbal communication skills.\nData-driven approach to performance management and decision-making.\nStrong customer-service orientation.\nAbility to identify operational inefficiencies and drive automation and process improvement.\nAbility to work effectively across Product, Technology, Finance, Risk, Compliance and Customer Experience teams.\nSuccess Profile\nThe successful Card Operations Manager will be highly organised, control-conscious and commercially aware, with the ability to balance operational efficiency, regulatory compliance, risk management and customer experience. The individual should be proactive in identifying issues before they affect customers, comfortable managing multiple external partners, and capable of building robust operational processes that can support the growth of Renmoney’s card portfolio.","description_format":"text","description_chars":9515,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Digital Banks & Neobanks","Consumer Loans & Pawnshops","Microfinance"],"lifecycle":[{"event":"open","at":"2026-09-16T22:54:52Z"}],"visa":[],"liveness":{"score":58,"band":"ok","label":"Likely open","p_open":1,"p_active":0.779,"p_room":0.75,"age_days":47,"expected_fill_days":64,"reasons":["conf:4","win:late"],"computed_at":"2026-11-03T05:54:40Z"},"pay":null,"html_url":"https://alion.io/job/renmoney-cards-operation-manager","json_url":"https://alion.io/job/renmoney-cards-operation-manager.json","meta":{"generated_at":"2026-11-03T11:46:31Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":16059,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-04T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":6761},"rest":"https://alion.io/mcp/rest/get_company?id=6761"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Frenmoney-cards-operation-manager"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Frenmoney-cards-operation-manager"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Frenmoney-cards-operation-manager"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/renmoney-cards-operation-manager\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Frenmoney-cards-operation-manager"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":984318}},{"tool":"search_jobs","arguments":{"company":"renmoney.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":984318},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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