Note: The job is a remote job and is open to candidates in USA. Sunbit is a financial technology company providing pay-over-time financing and credit card solutions through an AI-native platform. The Director of Card Operations will lead and scale card operational infrastructure, oversee processing and issuer operations, manage Fiserv and other vendor relationships, and drive operational excellence across the cardholder lifecycle. The role will also lead strategic card programs, team development, financial management, and risk and compliance activities.
Responsibilities
- Serve as the operational leader for Sunbit's card platform, driving performance, scalability, and continuous improvement across card operations
- Own the implementation, optimization, and governance of core card processing functionality, ensuring operational processes align with business objectives and customer experience goals
- Drive continuous improvement across the card ecosystem by optimizing processes, automating workflows, reducing costs, and establishing scalable operational controls and performance standards
- Act as Sunbit's primary expert and executive point of contact for Fiserv and related card processing partners
- Lead the evaluation, design, implementation, and optimization of capabilities across the Fiserv ecosystem, ensuring platform enhancements align with business objectives and operational needs
- Influence and navigate Fiserv's organization to accelerate project delivery, resolve operational challenges, and maximize the value of existing platform capabilities
- Lead operational workstreams for major card initiatives including:
- New product launches
- Co-brand and partner card programs
- Portfolio conversions and migrations
- Fraud and risk initiatives
- Collections enhancements
- Digital servicing capabilities
- Data and reporting initiatives
- Debit card and network expansion opportunities
- Own strategic relationships with card processors, networks, fulfillment providers, and other operational partners, driving performance, accountability, escalation management, and continuous improvement
- Establish and monitor vendor performance metrics, service-level agreements (SLAs), and operational KPIs
- Partner with Visa, Mastercard, and other network stakeholders on operational initiatives, compliance requirements, and program enhancements
- Lead and develop a high-performing Card Operations team responsible for day-to-day card servicing and operational support
- Own the Card Operations budget and P&L, identifying opportunities to improve efficiency while maintaining strong service levels
- Develop business cases for operational investments and strategic initiatives
- Track, analyze, and report on operational performance metrics, costs, and vendor spend
- Partner with Risk, Compliance, Legal, and Audit teams to ensure operational processes meet regulatory, network, and internal control requirements
- Maintain a strong understanding of consumer lending, card servicing, dispute management, fraud operations, and card network regulations
- Ensure operational readiness for audits, examinations, and regulatory reviews
Skills
- 10+ years of experience in card operations, card processing, payments, fintech, banking, or consumer lending environments
- Deep expertise working with Fiserv/First Data card processing platforms, particularly Optis and related operational systems
- Demonstrated success leading large-scale card operations organizations, driving complex operational initiatives, and developing high-performing teams
- Experience managing vendor relationships and driving performance across large external partners
- Strong understanding of card issuing operations, transaction processing, disputes, fraud operations, servicing, collections, and card lifecycle management
- Experience partnering effectively across Product, Engineering, Risk, Compliance, Finance, and Customer Experience teams
- Exceptional problem-solving, communication, and stakeholder management skills
- Proven ability to navigate complex organizations, influence stakeholders, and drive execution across internal teams and external partners
- Experience with key card processing systems, including but not limited to: Optis core (PCF, etc.), card issuance / fulfillment, APIs and data transmission, DecisionQuest, DMM, Fiserv fraud mitigation tools (ex. Defense Edge / Advance Defense), and general Fiserv User guides and operations documentation
- Strong communicator and business partner, thinking strategically about how to enable others to be a better partner directly with Fiserv in their respective spaces (ex. Data, fraud, card ops, Card digital experience)
- Experienced manager of a multi-faceted team
- Strong regulatory fluency and understanding of the compliance requirements in the space
- Bachelor's degree required
- Experience working both on the issuer side and within Fiserv or another major processor organization
- Prior experience as a Client Service Advisor (CSA), implementation leader, consultant, or operations leader supporting issuer clients
- Experience supporting credit cards, debit cards, or co-brand card programs
- Direct experience working with Visa and Mastercard operational, compliance, and network management functions
- Fintech experience within a high-growth, consumer-focused environment
- Advanced degree preferred
Benefits
- This role will also be granted company equity via stock options
- Mission driven, empowered, and collaborative culture
- Competitive pay and stock options
- Unlimited PTO
- Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
- Newly added HSA and Pet Insurance
- 401(k) with company match
- Cell Phone Stipend
- Team-based strategic planning and ownership of deliverables
Company Overview
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