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Tomo Credittoday

Who We Are

Remote · United States or US

Type
Full Time
Level
Mid Level
Education
Not Specified
Company size
Startup
Industry
Fintech

Job Summary

Payment Optimization Manager responsible for TomoCredit's payment ecosystem (card issuers, payment gateways, and banks). Improve authorization rate and reduce payment failures; communicate with banking partners; manage issues like chargebacks, disputes, and escalations; partner with product/engineering to implement payment-system improvements; design real-time reports with Looker Studio and BigQuery; drive reconciliation metrics and payment operations KPIs; identify and implement scalable process improvements in a remote-first fintech environment; requires 4+ years in product/operations with 3+ years in payments, strong SQL, Excel/Sheets skills, and solid accounting knowledge.

Required Qualifications

  • 4+ years of product or operation experience in a fast-paced company
  • at least 3+ years in payment operations, processing, or digital banking
  • Deep technical knowledge of payment systems, money movement, card issuing, and settlement processes
  • Proven ability to work cross-functionally in a fintech environment
  • High proficiency in SQL, with experience writing complex queries, joins, and optimizations (Google BigQuery preferred)
  • Strong analytical mindset with a track record of resolving complex transaction issues
  • Expert in Excel/Google Sheets; comfortable building financial models and reconciliations from scratch
  • Working knowledge of accounting and financial reporting, especially around reconciliation
  • Excellent written and verbal communication skills with attention to detail and documentation
  • You're an execution power-house. Work independently, prioritize, and meet deadlines in a remote-first environment
  • Strong sense of ownership, curiosity, and a solution-oriented attitude
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Who We Are

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