About Zeta
Zeta is aNext-Gen Banking Techcompany that empowers banks and fintechs to launch banking products for the future. It was founded byBhavin Turakhiaand Ramki Gaddipati in 2015.
Our flagship processing platform - Zeta Tachyon - is the industry's first modern, cloud-native, and fully API-enabled stack that brings together issuance, processing, lending, core banking, fraud & risk, and many more capabilities as a single-vendor stack. 15M+ cards have been issued on our platform globally.
Zeta is actively working with the largest Banks and Fintechs in multiple global markets transforming customer experience for multi-million card portfolios.
Zeta has over1700+employees - with over70%roles in R&D - across locations in theUS,EMEA, andAsia. We raised$280 millionat a$1.5 billionvaluation from Softbank, Mastercard, and other investors in 2021.
Learn more @www.zeta.tech,careers.zeta.tech,Linkedin,Twitter
About the Role
We are seeking a dynamic and experienced Chief Operations Officer to lead the launch and management of multiple credit card programs, focusing on both near-prime and prime segments, in the UK market. The role will lead a cross-functional team responsible for all Operations including Contact Center, Collections, Disputes, Fraud Investigations, Settlements, Payments, Fulfilment and Control functions.
We believe in leveraging Workflow engines, Decision Engines, and AI to drive operational efficiencies and ALSs. The ideal candidate has a strong foundation in Operations and Risk Management complimented by leveraging the best technology platforms to drive down cost to income ratios and optimize RoE.
Responsibilities
Hands-on experience across defining, launching, implementing and managing operations for mid to large credit card portfolios including -
Collections –Define, Implement and evolve collections strategy and operations, through inhouse and outsourced teams
Fraud and Dispute Operations- Define and manage processes for Dispute and Fraud investigation cases for application fraud and transaction fraud
Contact Center and Complaints –Ownall operations for omnichannel inbound customer support and complaints. Define processes, key KPI's and operating model. Optimise to improve both customer outcomes and cost efficiency
Backoffice Operations- Control Functions and Reconciliations across the lifecycle of a Credit Card including Transactions and Repayments
Financial Crime– Ensure all financial crime regulatory requirements are fulfilled and monitored.
KPI Monitoring– Own the development and continuous refinement of KPIs to measure and improve operational success. Drive transparency by reporting to the CEO and board.
Business Process Management– Define from scratch, monitor and manage all business processes needed to deliver a world class credit card operation.
Change and Technology transformation– Ownership of outsourced operating platforms. Manage day to day change roadmap and performance KPI's and lead the business in engaging with operations suppliers.
Start-up Expertise– Bring a hands-on approach to building operations from the ground up, balancing strategic oversight with operational execution in a fast-paced, evolving environment.
Supplier Management– Own, establish, manage, and optimize all supplier relationships, ensuring alignment with business objectives, cost-efficiency and scalable operation.
Team Leadership & Culture –Hire for, create and establish a high performing team of operational leaders who can "Do the right thing" for our customers and our business.
Systems knowledge- In-depth knowledge of vendors and capabilities across all relevant systems including - Application Processing, Loan Origination, KyC / IDV, Processing, Digital Apps, Servicing Apps, Collections, Fraud, Data management etc. Hands on experience with Lowcode / nocode Workflow engines, decision engines and case management platformsgement platforms
Skills
Experience in defining and running manual and automation processes to optimise operations including Collection Operations, Contact Center Operations, Fraud Operations, Dispute Operations, Production Operations, Application Processing Operations, Account Operations, Settlement Operations
Engineering Mindset - Ability to operate from first principles, heavily leverages tools and technologies, high tech aptitude
Indepth knowledge and understanding of operational risk and related regulations
Hands-on, Roll up your sleeves and get into the details attitude
Customer experience focused, ability to understand how processes and systems translate into customer outcomes
Operational Rigor
Leadership skills - Ability to identify, attract, inspire, train and retain the best talent and operate with a lean and efficient team
Experience and Qualifications
Demonstrable experience (preferably 15+ years) across heading operational functions (Customer Support, Complaints, Collections, Fraud) for large-sized credit card portfolio
Experience in launching and scaling credit card operations from inception, preferably in a start-up or high-growth environment
Equal Opportunity
Zeta is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We encourage applicants from all backgrounds, cultures, and communities to apply and believe that a diverse workforce is key to our success