Billing and Settlement Operations Technical Lead

About the Position

We are looking for a Billing and Settlement Operations Technical Lead to join our team at Wise. This role is pivotal in managing and optimizing global cards operations, ensuring timely and cost-effective payouts.

Responsibilities

• Drive domain strategy and cost ownership: Define the strategy for Spend Billing and Settlement Operations, focusing on reducing operational costs with schemes, including Visa and Mastercard, while maintaining on-time payout SLAs and strong internal controls.
• Own the yearly roadmap and team OKRs: Translate business priorities into a clear roadmap, actionable OKRs, and team plans that support Product initiatives such as country launches, new products (add-ons, credit), contribution margin improvements, and operational scalability.
• Own Billing and Settlement performance: Be accountable for key domain KPIs, including settlement payout SLA, billing reconciliation rate, cost per transaction, and avoidable cost reduction.
• Drive technical problem solving and automation: Lead root-cause analysis for settlement delays, payout discrepancies, billing issues, and control gaps. Ensure that incidents are driven to resolution. Design scalable solutions that reduce manual reconciliation and payout.
• Own audit, compliance, and control readiness: Ensure scheme mandates are effectively rolled out. Act as the main POC for external auditors to provide control evidence and ensure remediation actions are implemented timely. Continuously improve Billing and Settlement processes with appropriate checks, approvals, and accountability.
• Act as the main cross-functional point of contact: Partner with Finance, Treasury, Analysts, Payment Operations, Internal Controls across Tallinn and London to raise or resolve billing and settlement matters including, month-end reporting, internal controls reports, banking integrations (especially with US BIN sponsors).
• Manage, coach, and upskill the team: Directly manage the team, clarify ownership, support performance and growth, and upskill team members in project management, SQL, dashboards, automation thinking, and practical AI usage to improve efficiency.

Requirements

• Visa/Mastercard billing and settlement: Strong expertise in Visa/Mastercard billing and settlement domain, including scheme billing, settlement cycles, mandates, and partner cost structures.
• Payment methods and banking integrations: Strong understanding of relevant payment methods and banking integrations, including how settlement payouts are executed through existing payment rails such as direct debits, bank transfers, or other payout mechanisms.
• People management skills: Ability to directly manage, coach, develop, and upskill the team.
• Strategic planning skills: Ability to own yearly roadmaps, OKRs, priorities, and delivery plans across Billing and Settlement Operations.
• Stakeholder management skills: Ability to context-switch easily and manage stakeholders effectively.
• Decision-making and communication skills: Clear decision-making and communication skills to explain complex billing, settlement, cost, and control issues to senior stakeholders.
• Prioritisation and trade-off judgment: Ability to prioritize and make trade-offs across SLA delivery, cost reduction, audit readiness, Product launches, and team capacity.

We Offer

• Competitive salary: Up to SGD 7750 monthly.
• Full-time position: On-site role in Singapore.

About the Company

Wise is a global technology company, building the best way to move and manage the world’s money. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world’s money. For everyone, everywhere.

More about our mission and what we offer.

Visit Wise.Jobs to find out more about what it's like to work at Wise. Keep up to date with life at Wise by following us on LinkedIn and Instagram.