Card Operations Officer

Who we are:

Do you want to join a well-established bank with a start-up culture? No, we’re not joking!

We, at tbi, have been one the most profitable banks for years and we are growing at a fast pace. We’re a bank with a long history of success that operates as a start-up and we’re always on the lookout for new opportunities to grow our business. How do we do that?

It's all about our people. Our team is made up of brave, passionate and caring people who don’t just want to follow the same path – we want to transform into mobile-first, state-of-the-art lifestyle ecosystem. Our colleagues love working here – 80% of them would recommend tbi as an employer to their friends and family. Our people are engaged in challenging and meaningful work, inspired to grow their potential and career, encouraged to learn and empowered to take decisions. That’s not corporate babble, it’s what our people say.

What You’ll do:

• Manage operational activities throughout the debit card lifecycle, including card issuance, delivery, activation, renewal, replacement, maintenance, and closure.

• Handle operational processes related to credit limits associated with debit cards, including limit increases/decreases, transaction cancellations, refunds, statements, and installment-related activities.

• Support card payment operations covering authorization, presentment, clearing, settlement, reconciliation, reporting, and refunds.

• Contribute to the implementation and improvement of debit and credit card projects, such as installments, multicurrency solutions, and SCA.

• Prepare business requirements, test scenarios, and actively participate in testing and UAT activities.

• Collaborate with internal teams and external partners to ensure smooth implementation of card-related operational processes.

• Support the continuous improvement and automation of operational processes, with a strong focus on quality, efficiency, and customer experience.

What you’ll need to succeed:

• Relevant experience in Card Operations, particularly in card issuing and card lifecycle management.

• Good knowledge of card payment schemes, regulations, and payment processing flows.

• Hands-on experience with authorization, clearing, settlement, reconciliation, refunds, and card-related reporting.

• Experience with operational processes related to credit limits and/or credit cards would be a strong advantage.

• Previous involvement in card-related implementation projects, testing, and UAT activities.

• Good understanding of PSD2/Open Banking requirements.

• Experience or exposure to Mobile Banking, Digital Channels, and core banking system integrations is an advantage.

• Exposure to Acquiring would be considered a plus.

• Proactive and independent mindset, with strong problem-solving skills and the ability to work effectively across teams.

• Comfortable working in a project-driven and changing environment, with a focus on quality and efficiency.

• Good command of English.

What do we offer:

• Seize the opportunity to grow your career.

• Engage in exciting and meaningful work.

• Get recognition for your work and attitude.

• Become part of a large, friendly and supportive team.

• Get additional private health insurance.

• Stay Chill, Bite into Thrill: Our Fresh Fruits/Ice Cream Program.

• Relax and Recharge: Our Weekly Office Chair Massage.

• Private healthcare subscription with Regina Maria - extra care for your health;

• Unlock the joy of reading with Bookster – Access a library of inspiration.

• Benefit from 28 days of annual leave – More time for what you love ( 22 vacation days, 5 for exceptional sick leave (no medical note), and 1 for your birthday).

• Exclusive partner discounts – Enjoy deals tailored just for you.

• A World of Friendly Faces: Join Our Passionate Multinational Team and Talk to 23 Nationalities at tbi bank .

• Bring Your Furry Bestie: Let's Make Work Pawsome .

Visit our Career Page to learn more about what makes us different.

If this sounds like something you’d be interested in, we'd love to hear from you!

We'd love to get back to everyone, but due to the number of applications we receive, we can only contact the shortlisted candidates.

All applications are treated with utmost confidentiality.

By submitting your job application to tbi bank you confirm that you have read the document named “Information related to personal data processing for job applicants” publicly available here

https://tbibank.ro/wp-content/uploads/2026/09/anexa_3_nota_de_informare_recrutare_TBIB.pdf