Job Summary
We are seeking a dynamic and experienced Head of Payment and Card Operations responsible for payments operations and reconciliations. This includes oversight of local and ARO payment flows (such as EFT, DebiCheck, SWIFT, Mastercard & VISA debit card activities, treasury operations, and the management of exceptions, disputes, and investigations.
This is a senior leadership role requiring strategic vision, operational excellence, and a deep understanding of both South African and ARO payment ecosystems.
Job Description
Key Responsibilities
Lead and scale the payment operations team, setting clear objectives, KPIs, and performance metrics aligned with global standards.
Ensure daily reconciliation of inbound and outbound payments against source systems and South African bank statements.
Drive operational excellence through automation, process optimization, and implementation of best-in-class back-office strategies.
Develop and maintain a fit-for-purpose operational framework with documented policies, procedures, controls, and KPIs.
Lead investigations and resolutions for payment and card-related issues, chargebacks, and exceptions.
Collaborate with Compliance, Risk, and Audit teams to ensure adherence to SARB, FSCA, and global regulatory requirements.
Support the implementation of new technologies and payment innovations, including real-time payments and digital wallets.
Coach and mentor team members to build a resilient, high-performing operations unit.
Required Skills & Experience
9+ years in financial operations, with at least 8 years in a senior leadership role within a bank or regulated FinTech (preferably with exposure to both South African and ARO markets).
Deep understanding of South African payment systems and international schemes.
Expertise in SWIFT messaging (MT103, MT101, MT202) and cross-border payments.
Experience with Straight Through Processing (STP) and reconciliation between payment systems and bank statements.
Strong knowledge of treasury operations, including FX, MM, and liquidity management.
Familiarity with regulatory frameworks such as SARB, FSCA
Excellent analytical, leadership, and communication skills.
Preferred Qualifications
Relevant tertiary qualification in Finance, Economics, or Business Administration;
Education
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
