Cards and Payments Process Analyst

Company Description

Tonik is a transformative digital bank dedicated to revolutionizing banking in Southeast Asia, focusing on making financial services more accessible and user-friendly. Serving the Philippines, their digital-only platform offers deposits, loans, savings accounts, payments, and cards to meet customer needs efficiently and securely. Recognized as the Philippines' first neobank licensed by the Bangko Sentral ng Pilipinas (BSP), Tonik works to empower banking customers and the unbanked population. With a commitment to innovation and customer-first solutions, Tonik is passionate about improving financial lives through technology. Deposits are insured by the Philippine Deposit Insurance Corporation (PDIC).

Role Description : The Cards Business Analyst will contribute to business and technical initiatives related to card payment authorization, clearing, settlement, tokenization, credit card billing, and testing activities utilizing MAS and related simulators. The analyst will engage in process analysis, solution design, documentation, and coordination across internal and external stakeholders. The role is ideal for professionals with 3–5 years of exposure to end-to-end card payment workflows.

Qualifications

• BCA / BE or BTech -Computer Science or IT Or Electronics or related field.
• Experience working in banking, payments technology, or financial services product teams.
• 3–5 years’ experience in credit / debit card operations, business analysis, or payment platform development.
• Practical experience with payment scheme simulators—especially MasterCard Authorization Simulator (MAS)—and card transaction authorization testing.
• In-depth knowledge of card transaction lifecycle, including authorization, clearing, settlement, and billing.
• Exposure to tokenization solutions and understanding of payment security standards (PCI DSS, scheme security requirements).
• Familiarity with credit card statement cycles, billing operations, and dispute / chargeback management.
• Strong documentation, analytical, and communication skills.
• Experience with Agile / Scrum, project tracking tools (JIRA, Confluence), and working in cross-functional teams.

Roles & Responsibilities :

report system status and production issues to stakeholders