Card Payments Senior Lead

Salary: £55,000 - 60,000 per year

Requirements:

• Significant experience in card payments within banking, fintech or financial services.
• Strong knowledge of Mastercard scheme rules, with Visa experience highly desirable.
• Deep understanding of the card payment lifecycle, including authorisation, clearing, settlement and reconciliation.
• Experience managing relationships with card schemes, processors and payment providers.
• Strong knowledge of chargebacks, disputes, fraud prevention and operational risk.
• Experience supporting card issuing programmes and implementing payment enhancements.
• Understanding of emerging payment technologies including digital wallets, tokenisation and virtual cards.
• Excellent analytical, communication and stakeholder management skills.
• A proactive approach with a passion for payments and continuous improvement.

Responsibilities:

• Act as the subject matter expert for all aspects of card payments across our business.
• Oversee card issuing, transaction processing, authorisations, settlements, disputes and chargebacks.
• Ensure compliance with card scheme rules, FCA regulations and our internal governance frameworks.
• Build and maintain strong relationships with card schemes, processors and payment partners.
• Monitor scheme updates, regulatory changes and emerging payment technologies.
• Lead the resolution of operational issues and card payment incidents.
• Identify opportunities to improve operational efficiency, customer experience and payment performance.
• Support the delivery of new card products, payment features and technology enhancements.
• Monitor operational performance through KPIs and service metrics.
• Prepare for scheme reviews, regulatory assessments and audits.
• Drive continuous improvement across our card payments function.

Technologies:

• Support

More:

We are a growing fintech organisation based in Manchester, offering a hybrid working model with a flexible mix of home and office-based working. This is an exciting opportunity to help shape the future of our card payments function, working closely with senior leaders and cross-functional teams including Product, Technology, Compliance and Operations. We offer a competitive salary, company pension, 23 days annual leave increasing with service plus bank holidays, additional paid leave for your birthday, wellbeing, charity work and other life events, employee assistance programme and Virtual GP access. We provide genuine opportunities to influence payment strategy, alongside a collaborative and supportive environment with excellent career development opportunities.

last updated 31 week of 2026