Payment Operations Specialist

Company Mission Payhawk is one AI-powered spend management platform for scaling businesses — corporate cards, expense management, procurement, and accounts payable, unified in one place. We serve finance teams across 32+ countries, cutting month-end close time and reconciling 99.7% of transactions with zero manual touch. AI runs through the platform as core infrastructure, not a bolted-on feature — and we hire the top 1% of talent in every function to keep building it that way. Why Payhawk Payhawk, where the bold builders make an impact. We're not a family, we're a high-performance team — and that's deliberate. We debate, ideate, and push each other to be better, because the best ideas come from direct feedback. We've already made history as Bulgaria's first unicorn, but the ambition doesn't stop there: if you want to grow fast - own it; do not wait for it. Give: Honest opinions, real ownership, a focus on outcomes. Get: A front-row seat to a market leader in one of the fastest-moving industries. About the Role We are looking for an experienced Payment Operations Specialist to join our team in Sofia. You will be working closely with our Product, Engineering, Support and Implementations teams to drive operational excellence and solve payment-related issues. You will have the opportunity to experience fast-paced company growth with a start-up mindset operating in the SaaS and Fintech industries. Responsibilities - Monitor the payments engine and resolve issues related to card acceptance and bank transactions by coordinating with issuers, processors, vendors, and other external partners. - Drive operational excellence and risk mitigation across payment processes, support customer lifecycle events with partners, and resolve card delivery issues in collaboration with Support. - Oversee the end-to-end chargeback lifecycle (scheme submissions, payouts, and ledger reconciliation) and manage operational client offboarding, including final fund disbursements and bank account closures. - Manage card inventory and logistics (e.g. stock, holograms, envelopes), and improve Straight Through Processing performance in partnership with Payments, Product, and Compliance teams. - Maintain the knowledge base of payment operations. - Act as a point of contact between card schemes and our banking partners. - Collaborate with key stakeholders for any payment operations projects. - Oversee liquidity across all settlement accounts by currency, ensuring efficient processing with all banking partners. Requirements - +2 years of experience in a Payments or related role. - Previous experience in compliance, payments, banking, or a related field. - Deep understanding of various payment mechanisms, including SEPA, FPS, ACH, SWIFT, and others. - Familiarity with card issuing protocols of major networks such as Visa. - Experience in a fast-scaling, high-velocity, and dynamic environment, ideally with a track record of successfully building processes from scratch. - Strong analytical and organizational abilities with a keen eye for detail. - Great communication and English language skills. Nice to have: - Previous experience in compliance, payments, banking, or a related field. - Good understanding of the SaaS industry and venture-backed businesses. Company Benefits - 30 days holiday paid leave. - Competitive compensation package. - Exchange policy to another Payhawk office (London, Amsterdam, Barcelona, Sofia, Paris and Vilnius). - Flexible working hours and the opportunity to work from home. - Multisport fully covered by us. - Regular team-wide events. - Additional medical care. - Opportunity to use the Payhawk product. Payhawk is an Equal Employment Opportunity Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status.