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CreditgenieCreditgeniePhiladelphia, PA

Payment Operations Lead

Own end-to-end payment strategy, infrastructure, reconciliation, fraud, and risk management for ACH and card networks at scale. Requires 7+ years of deep payments experience and cross-functional leadership across Engineering, Risk, and Finance.

150k – 250k/yr
On-site7+ YOERevenue Operations

About the role

Responsibilities

Payment Strategy & Infrastructure

  • Own end-to-end payment strategy across ACH, card networks, and banking partners, built to scale to millions of transactions per day
  • Design and optimize a payment processing infrastructure for speed, efficiency, and reliability at high volume
  • Develop and own the payments roadmap, tackling strategy and execution simultaneously in partnership with Engineering and Finance leadership

Reconciliation & Financial Operations

  • Build and maintain a reconciliation framework that is accurate, auditable, and fully explainable across internal systems and external partners
  • Drive automation to reduce manual payment operations work: exception management, reconciliation workflows, and cost attribution
  • Partner with Treasury and Risk on float management, settlement timing, and capital efficiency

Fraud, Disputes & Risk

  • Lead fraud prevention and dispute management strategy across ACH and card payment channels - including detection, response, and recovery
  • Manage ACH risk end-to-end: unauthorized transactions, returns, network compliance, and exception handling
  • Serve as the internal authority on payment network rules, edge cases, and risk exposure across all payment rails

Cross-Functional Leadership

  • Drive cross-functional execution with Engineering, Risk, Operations, and Compliance to continuously improve the payments stack
  • Translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication
  • Work directly with transaction-level data to diagnose problems, surface patterns, and make decisions

Qualifications

  • 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 - 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
  • Able to translate complex payment system constraints into clear strategy, roadmap priorities, and stakeholder communication

Preferred Qualifications

  • Experience in Earned Wage Access (EWA) or consumer fintech lending
  • Familiarity with ledgering, reconciliation workflows, or financial close processes
  • Exposure to AI or automation applied to payment operations or exception management

Compensation & Benefits

  • Base salary range: $150,000 - $250,000
  • 100% company-paid medical, dental, and vision coverage
  • 401(k) with 3.5% match and immediate vesting
  • Up to $100/month fitness reimbursement or complimentary LifeTime Fitness/Equinox membership
  • Pre-tax benefits including $1,000 HSA match
  • Life and accidental insurance
  • Flexible PTO
  • Meal program for lunch and dinner
  • Eligible for bonus and equity programs

Skills

Ach PaymentsCard NetworksPayment ProcessingFraud PreventionDispute ResolutionReconciliation SystemsRisk ManagementLedgeringFinancial OperationsPayment Infrastructure

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