Payment Optimization Manager

Who We Are As seen on TechCrunch, Forbes, and Bloomberg, join one of fastest growing areas in FinTech by taking on the credit system.

Work directly with one of Inc.’s top female founders and learn from some of the most talented people in the industry. Headquartered in San Francisco, Tomo’s mission is to replace the outdated credit system and open access to banking.

We value passionate, down-to-earth, “can-do” people who enjoy fine-tuning small details, without losing sight of the big picture. We are looking for someone who is driven to get things done and views obstacles as an exciting challenge that demands a creative solution. You are a self-starter with a high degree of rigor, organization, and discipline to get things done. Above all else, this role requires someone who takes great pride in their work and is inspired and motivated by their role in improving the way millions of people build their financial future.

Job Summary: We are seeking a highly motivated and detail-oriented Payment Optimization Manager to join our growing team. This role is critical to managing TomoCredit’s payment ecosystem-including card issuers, payment gateways and banks. As part of the product team, you will play a key role in optimizing every transaction on our platform and ensuring the payment system is optimized for long-term success.

Key Responsibilities:

• Improve authorization rate and reduce payment failures.

• Communicate with banking and network partners to troubleshoot reporting inconsistencies and maintain operational alignment.

• Manage and resolve issues related to payment failures, chargebacks, disputes, and bank escalations.

• Partner with product and engineering teams to define requirements and implement improvements for payment-related systems and tools.

• Design and maintain real-time operational reports and dashboards using tools like Looker Studio and Google BigQuery.

• Drive documentation efforts in partnership with Technical Writers to build clear and accessible internal and external resources.

• Conduct root cause analysis on transaction anomalies and recommend systematic process improvements.

• Own development and reporting of reconciliation metrics and Payment Operations KPIs for internal stakeholders.

• Identify operational pain points and implement scalable process enhancements to support company growth. Qualifications:

• 4+ years of product or operation experience in a fast-paced company, with 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.

Why TomoCredit?

Join a team where your work makes a significant impact on the future of credit and banking. At TomoCredit, you’ll collaborate with seasoned FinTech executives from Square, Lending Club, and American Express. We’re committed to fostering a culture where people love what they do and the team they work with. Here’s what we offer:

• Competitive Salary : Reflecting your skills and experience.
• Equity : We share our success with our employees through ownership stakes.
• Insurance : Comprehensive medical, dental, and vision benefits.
• Flexible Vacation Policy : We trust you to manage your time wisely to prevent burnout.
• Career Growth Opportunities : Take advantage of mentorship from seasoned professionals and expand your role as TomoCredit grows.
• Company-Sponsored Outings : Build meaningful relationships with your team outside of work.

Commitment to Diversity

At TomoCredit, diversity and inclusion are core to our values. We welcome applications from all qualified individuals, regardless of race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

Join us in reshaping the credit landscape and empowering millions to build a stronger financial future!