Permanent, Full-Time Position
On-Site – Montreal Office
Salary: $115,000 to $120,000 per year / 40 hours per week
Language: French
BrainFinance is a leading financial technology company that provides responsible and constructive credit solutions to consumers. We are redefining access to credit through our revolutionary technology that utilizes machine learning and automation capabilities to offer better and simpler financial services to everyone.A true innovation lab, our team consists of financial experts, data geeks, mathematicians, computer scientists, and software engineers, all working together to bring fair and transparent credit solutions to the masses.
Here's what we're looking for
We are seeking a strategic Director of Cards Operations to lead and optimize our credit card and consumer loan products. In this key role, you will ensure regulatory compliance, streamline operations, and collaborate with cross-functional teams—including Product, Compliance, Risk/Fraud, Operations, and Finance—to drive innovation and efficiency.As the primary point of contact for cards, you will manage relationships with vendors, partners, and regulatory bodies while staying ahead of industry trends and regulations. Your expertise will help identify growth opportunities, improve processes, and enhance customer experience.
Your daily responsibilities
- Lead and manage cross-functional teams of specialists (technology, operations, compliance, finance, and vendor partners) in the design, deployment, and administration of payment platforms, software, and data systems.
- Serve as the key escalation and delivery point for executives and partners, ensuring transparent communication of risks, progress, and overall program health.
- Champion change initiatives, compliance programs, and audit preparation efforts to ensure regulatory alignment and operational resilience.
- Plan, organize, direct, control, and evaluate the activities related to payment programs, including BIN sponsorship, product readiness, partner integration, and go-live execution.
- Develop and implement policies, procedures, and governance frameworks to ensure effective management of electronic payment systems and card lifecycle operations.
- Meet with internal stakeholders and external partners to define system requirements, technical specifications, budgets, and delivery timelines.
- Evaluate performance through KPIs, dashboards, and executive reporting, ensuring continuous improvement in customer adoption, spend, risk, and fraud management.
- Oversee and control program budgets, forecasts, reporting, and expenditures to ensure financial and operational efficiency.
- Supervise, and guide analysts, engineers, program managers, and vendor resources, ensuring ongoing training, professional development, and adherence to best practices.
Your skills and experience
- University degree in Business Administration, Operations Management, Finance, or a related field; an MBA or advanced degree is highly preferred;
- 2 years of experience in IT project management;
- Significant experience in payment/card operations, ideally in leadership roles within the financial services or fintech sectors;
- Strong knowledge of credit card processing, industry regulations, and compliance frameworks, including VISA rules and PCI-DSS (Payment Card Industry Data Security Standard);
- Proven experience in product development and vendor ecosystem management, ensuring seamless integration and alignment with business objectives;
- Demonstrated ability to enhance operational efficiency and optimize processes in a customer-centric environment.
Perks and benefits
- Group Insurance (Health and Dental)
- Retirement Savings Plan (RSP)
- Virtual healthcare
- Employee Assistance Program (EAP)
- Additional Days off (Moving day, Birthday, 5 personal days)
- Health and Wellness Program
- Office perks: Event Coordinator responsible for social activities, 5-7, snacks provided, yoga and meditation room
- Paid subscription to training tools
- Benefits for public transportation (Bixi, Opus)
- Modern open plan office with pin pong, and pool table
- A friendly and relaxed working environment
