Card Operation Manager

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, Web3 features, and more. We leverage the power of digital assets and blockchain to build an inclusive financial ecosystem to advance the freedom of money and improve financial access for people around the world.

The Card Ops team is responsible for the operational management of credit/debit card payment flows. The core objective is to improve payment stability, reduce transaction failure rates, and drive root cause attribution, remediation, and closure for failed transactions. In short: reduce failures, identify failures, fix failures, and prevent recurring failures.

\nResponsibilities:

• Monitor daily overall Card failure rates as well as breakdowns by region, country, and channel; identify anomalies and trends
• Determine responsible parties (Issuer / Acquirer / Channel / Network) based on error codes and drive root cause closure
• Manage RCA (Root Cause Analysis) coverage for Top Errors, ensuring high-impact errors have clear action items and are closed on time
• Develop and execute routing adjustment strategies based on error data and transaction performance (channel traffic distribution, BIN/Issuer-level optimization)
• Evaluate the effectiveness of routing adjustments and track whether Success Rate (SR) improvements meet expectations
• Collaborate with the BD team to assess channel risk, success rates, and SLAs prior to channel onboarding
  Manage channel health, monitor the progress and closure rate of Partner/Channel issues
• Coordinate escalations and fixes with Partners, ensuring Refund / Failed-but-Charged scenarios are resolved within SLA
• Work closely with Product, Tech, Risk, BD, and other teams to translate operational insights into actionable product and technical improvements

Requirements:

• Extensive experience in the card payment domain with a deep understanding of credit/debit card payment flows (Acquiring / Routing / BIN / Issuer / Network); able to accurately identify responsible parties based on error codes
• Hands-on experience with card routing and channels; knows how to allocate traffic across channels appropriately, with proven track record of traffic scheduling and success rate optimization
• Strong knowledge of card payment industry operating rules and standards
• Fluent English is required — able to communicate seamlessly with global Partners and cross-border teams; bilingual (Chinese/English) is preferred
• Able to collaborate efficiently with BD, Product, Tech, Risk, and other teams to translate operational insights into executable action items

Bonus Points

• Experience building or optimizing a card payment operations system from 0 to 1
• Hands-on experience with new channel onboarding assessment and channel derisking
• Experience monitoring payment performance and detecting changes in new markets

\n

Why Binance

• Shape the future with the world’s leading blockchain ecosystem

• Collaborate with world-class talent in a user-centric global organization with a flat structure

• Tackle unique, fast-paced projects with autonomy in an innovative environment

• Thrive in a results-driven workplace with opportunities for career growth and continuous learning

• Competitive salary and company benefits

• Work-from-home arrangement (the arrangement may vary depending on the work nature of the business team)

Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success.

By submitting a job application, you confirm that you have read and agree to our Candidate Privacy Notice.