Business Operations Executive, EPS

The Business Operations Executive - Card Operations manages card payment and EDC operations within MoMo's Enterprise Payment and Business Solutions (EPS), ensuring stable, efficient, and scalable service operations.

You will work closely with banking partners, Product, Engineering, Finance, Accounting, Risk, Business Development, and other relevant stakeholders to deploy, operate, and optimize card payment services.

The role focuses on EDC and card payment operations, payment routing, COGS and success rate optimization, reconciliation and settlement, incident management, and risk monitoring.

You are also expected to actively leverage data, automation, and Agentic AI to reduce manual work and improve operational efficiency.

Mô tả công việc

1. EDC & Card Payment Operations

• Manage end-to-end EDC and card payment operations with banking partners and relevant stakeholders.

• Coordinate merchant setup, system configuration, testing/certification, rollout, and go-live for card payment services.

• Monitor day-to-day operations and coordinate issue resolution to ensure stable service performance.

• Handle and follow up on operational paperwork, supporting documents, approval processes, and related documentation.

2. Payment Performance, Routing & COGS

• Monitor key card payment metrics including success rate, error/decline rate, transaction volume, and service availability.

• Manage and monitor transaction routing across banking partners.

• Analyze operational data to optimize COGS, success rate, and service quality.

• Coordinate with Product, Engineering, and banking partners to resolve payment performance issues.

3. Reconciliation, Settlement & Incident Management

• Monitor and handle reconciliation, settlement, refunds, and transaction discrepancies with banking partners and internal teams.

• Coordinate with Finance and Accounting on issues related to fees, cash flow, settlement, and transaction records.

• Perform initial investigation and coordinate the resolution of card payment incidents.

• Track issues and corrective actions through to closure.

4. Risk Monitoring & Operational Control

• Monitor abnormal transactions, merchant risk, and operational risk indicators related to card payments.

• Support investigation of suspected fraud, unusual transaction patterns, and merchant violations.

• Coordinate with Risk, Product, Engineering, banking partners, and other stakeholders to implement appropriate controls.

• Identify control gaps and propose preventive actions to reduce recurrence.

5. Data, Process Improvement & Automation

• Build and maintain reports, dashboards, and trackers for Card Operations.

• Analyze data to identify root causes, abnormal trends, and improvement opportunities.

• Build and continuously improve SOPs, workflows, and operational processes.

• Proactively apply Agentic AI, AI agents, and workflow automation to monitoring, reporting, reconciliation, incident handling, and task follow-up.

Yêu cầu công việc

Education & Experience

• Bachelor's degree in Economics, Finance, Accounting, Business Administration, or a related field.

• Experience in Payment Operations, Card Operations, Banking, Fintech, E-wallet, or a related field.

• Experience working for card payment solution providers, acquiring banks, payment gateways, or EDC/POS providers is strongly preferred.

• Hands-on experience in deploying or operating card payment solutions for merchants or enterprise clients is a strong advantage.

• Experience coordinating with banks, Product, Engineering, Finance, Accounting, or Risk teams is preferred.

• The Executive or Senior Executive level will be determined based on relevant experience and demonstrated capability.

Hard Skills

• Good understanding of card payment operations and transaction flows, including authorization, routing, settlement, reconciliation, and refunds.

• Good understanding of EDC/POS operations and banking processes.

• Basic understanding of payment-related accounting concepts, including fees, settlement, reconciliation, and transaction records.

• Proficient in Excel / Google Sheets with strong data analysis and problem-solving skills.

• Strong ability to process paperwork, contracts, supporting documents, and internal approval workflows accurately and systematically.

• Strong ability to build SOPs and produce clear operational documentation.

• Exposure to SQL, data visualization, or automation tools is a plus.

• Demonstrated ability and willingness to apply Generative AI, Agentic AI, AI agents, and automation tools in daily work.

• Good English reading comprehension; ability to communicate with partners or work with English technical documents is a plus.

Soft Skills & Personal Attributes

• Highly proactive with strong ownership and follow-through.

• Strong analytical and root-cause problem-solving mindset.

• Detail-oriented, structured, and comfortable working with transaction and financial data.

• Strong communication and coordination skills across internal teams and banking partners.

• Able to handle incidents and multiple priorities in a fast-paced environment.

• Curious and willing to continuously learn about payments, banking, technology, data, and AI.

• Honest and highly accountable when handling sensitive transaction and financial information.

Why This Role
This role allows you to build deep expertise in card payment operations and work directly with banks, payment partners, and internal product and engineering teams.
You will be involved not only in day-to-day operations, but also in improving payment routing, success rate, COGS, reconciliation, settlement, incident handling, and risk controls — areas that directly impact service quality and business performance.
You will also have the opportunity to apply data, automation, and Agentic AI to improve monitoring, reduce manual work, and build more scalable card payment operations.