Operations Associate (Binance Pay & Card)

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.

Job Overview

The successful candidate will own end-to-end operational processes, Finance and Merchant operations for Binance Pay & Card — ensuring accurate, timely settlement and reconciliation, proactive chargeback management, account management and growth. The individual will work across multiple markets globally and collaborate closely with Product, Risk, Compliance, Finance teams as well as external stakeholders.

Responsibilities

Card operations

• Monitor and improve card program key metric rates 

• Support card growth initiatives and marketing

• Work with stakeholders to investigate and resolve any operational issues

• Own the end-to-end card chargeback lifecycle: intake, investigation, representment and resolution with users and relevant stakeholders

• Track chargeback trends and root-cause insights to maintain acceptable level of the chargeback ratio 

Finance operations

• Perform daily/weekly/monthly reconciliation and resolve discrepancies 

• Maintain reconciliation logs, escalate aged exceptions per SLA 

• Support fund transfers, payments and ensure smooth program operations

• Monitor payment success rates and failure categorisation 

• Assist in month-end close procedures and reporting

Merchant operations

• Manage onboarding workflows for new Pay and Card merchants 

• Maintain onboarding trackers and ensure data hygiene to ensure compliance across merchants

• Serve as contact point for assigned merchant accounts

• Prepare merchant performance reports and QBR materials to achieve targets

 Cross-Functional & General

• Conduct data analysis to support growth 

• Build and maintain operational reporting templates for card KPIs, settlement metrics, and merchant health

• Contribute to SOP creation, process documentation, and playbook maintenance

• Participate in UAT and operational readiness testing for new product launches

Requirements

• Minimum 3 years of experience in a payments, fintech, or banking operations role

• Hands-on experience with card products (credit, debit, or prepaid) strongly preferred

• Familiarity with chargeback/dispute resolution processes (Visa/Mastercard rules is a plus)

• Strong analytical skills with proficiency in Excel/Google Sheets; SQL or BI tool experience is a plus

• Self-organised with high attention to detail; able to manage multiple workstreams independently

• Excellent written and verbal communication skills in English

• High accountability — comfortable owning outcomes, not just tasks

Preferred Qualifications

• Experience working in a crypto, Web3, or digital asset environment

• Exposure to merchant operations or B2B account management in a payments context

• Understanding of FX settlement mechanics, clearing cycles, or card network economics

• Experience with Tableau, Looker, Metabase, or equivalent BI tools

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.

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