Cards Billing Operations Analyst at Wise

Singapore

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SGD 78,000 – SGD 84,000Compensation

Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, PaymentsIndustries

Requirements

Proven experience in a payments, fintech, or financial services environment, with a strong background in card billing and operations
Comprehensive knowledge of card scheme fees (Visa and Mastercard) and their structure within the payment ecosystem
Strong analytical skills with the ability to work with large datasets, identify trends, and solve complex financial issues
Proficiency in SQL and experience with data visualisation tools (Looker, Superset, PowerBI, Tableau etc.)
Meticulous attention to detail and a commitment to maintaining a high level of accuracy in all tasks
Excellent communication skills, with the ability to present complex data findings to both technical and non-technical audiences
Ability to adapt quickly and learn new systems and fee structures
Comfortable working within teams that face complex issues and take charge in difficult situations, such as with engineers or product teams
Problem-solver, identifying gaps, implementing solutions, and driving continuous improvement
Experience optimizing processes with internal and external partners, focusing on KPIs and SLAs
Ability to use data to prioritise tasks that have the most value-add to customers and measure the impact
Prioritizes customers and takes initiative to drive results
Strong communicator, adapting style to different audiences
Fosters an open, collaborative team environment and is passionate about technology and customer experience
Skilled at building relationships, working closely with product teams and external partners, staying curious and committed to learning

Responsibilities

Perform timely and accurate reconciliation of card scheme fees (Visa and Mastercard) and invoices against internal records to ensure billing accuracy
Build and maintain dashboards and reports to track key metrics related to card scheme fees, incentives, and overall billing performance
Analyse complex fee data to identify billing discrepancies, resolve issues, and provide clear reporting to stakeholders
Apply in-depth knowledge of scheme fees and partner fee structures to develop and implement data-driven controls that proactively ensure correct billing
Accurately process and manage incentive programs based on scheme fee structures and contractual agreements
Provide comprehensive audit support by preparing and presenting documentation on scheme fees, billing, and incentive processes for internal and external audits

Skills

Visa

Mastercard

Reconciliation

Data Analysis

Dashboards

SQL

Excel

Billing

Auditing

Fee Structures

Incentives

Wise

Facilitates low-cost international money transfers

About Wise

Wise focuses on international money transfers, providing a low-cost alternative to traditional banks. It uses a peer-to-peer system to match transfers between users in different countries, which helps reduce fees and offers better exchange rates. Customers pay a small, transparent fee for each transaction, and Wise also offers a multi-currency account for managing funds in various currencies. The company aims to maintain high performance and reliability while ensuring transparency and trust with its users.

London, United KingdomHeadquarters

2011Year Founded

$385.5MTotal Funding

IPOCompany Stage

Fintech, Financial ServicesIndustries

5,001-10,000Employees

Benefits

PTO & annual leave

Work from home flexibility

Parental leave

Medical insurance plans

Health & wellbeing discounts

Pension & retirement plans

Social events

Relocation support

Risks

Increased competition from banks integrating Swift services could challenge Wise's market share.

Regulatory scrutiny following Stenn's collapse may increase pressure on Wise.

Bitcoin's low transaction fees could attract customers away from Wise's services.

Differentiation

Wise offers a peer-to-peer system for low-cost international money transfers.

The company provides a multi-currency account for ex-pats, freelancers, and travelers.

Wise's transparent fee structure attracts customers seeking cost-effective money transfer solutions.

Upsides

Partnership with Morgan Stanley enhances Wise's cross-border settlement capabilities.

Expansion into India's remittance market presents significant growth opportunities for Wise.

API integrations offer additional revenue streams and market penetration for Wise.

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