Finance Operations Manager (Card & Capital Strategy)

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: TYPE OF WORK

Full Time

: SALARY

800 USD + @

: HOURS PER WEEK

40

: DATE UPDATED

Feb 9, 2026

JOB OVERVIEW

Job Title: Finance Operations Manager (Card & Capital Strategy)

Salary: $800 USD / Month

Description:

Role Overview This role is NOT just about fund administration. It is a strategic position designed to turn our capital operations into a "Profit Center." Your mission is to source capital at the best terms, manage credit with precision, and optimize every dollar spent to generate tangible returns. Especially as we expand into the US market, you will focus on building US credit profiles, cost-cutting, and preparing the company's credit health for global financing.

1. Core Responsibilities

US Market Credit Expansion (New Focus)

Establish and build US Business and Personal credit profiles from the ground up for upcoming US operations.

Research and apply for US-based corporate credit cards and financing products that offer the best rewards and float.

Manage cross-border credit strategies to ensure seamless capital mobility between Canada and the US.

Financial Cleanup & Operational Efficiency

Conduct a comprehensive audit of all corporate expenditures to eliminate redundant subscriptions and unnecessary costs.

Develop a strategic tax payment and cash allocation plan.

Research alternative financing options (non-traditional lenders or asset-based lending).

Implement a strict cost-cutting roadmap to improve the company's debt-to-income ratio.

Debt Financing & Capital Sourcing

Identify optimal lending products (Mortgages, Business Loans) through banks and private lenders in both Canada and the US.

Open and manage Line of Credit (LOC) limits to secure liquidity.

Lead negotiations with financial institutions to secure the best Term Sheets (Interest Rates, LTV).

Credit Engineering & Score Management

Execute a step-by-step Credit Building & Optimization strategy (Focus on high-score maintenance, NOT credit repair).

Constantly monitor Personal and Business credit scores (FICO), managing them to hit target levels of 780 or higher.

Detect utilization spikes in real-time and execute immediate actions to protect credit scores.

Spend Optimization & Rewards

Reallocate spend to cards with the highest accrual rates (Ads, Travel, Materials).

Strategically align credit card Closing Dates to delay cash outflows (securing 45-55 days of float).

Cash Flow & Treasury Management

Forecast cash inflows and outflows for the next 3 to 6 months.

Monitor exchange rates (KRW, USD, CAD, JPY) for optimal transfer timing.

2. Key Requirements

3-5+ years of experience in capital operations, credit management, or banking.

Strong understanding of US Credit Systems (FICO, SSN/ITIN-based credit building) is a MUST.

Advanced Excel/Google Sheets skills (cash modeling, utilization tracking).

Detail-oriented personality (obsessed with numbers and deadlines).

3. How to Apply (Read Carefully) To ensure you are detail-oriented, please follow these steps. Applications not following this format will be ignored.

Subject Line: Send your application with the subject line: "I am your Finance Manager - [Your Name]"

Cover Letter: Please answer the following specific questions:

Imagine you manage 20+ corporate cards. What is your specific daily routine/system to ensure no payments are missed and utilization is optimized? (Mention tools you use).

Do you have experience building US Business Credit for a foreign company? If yes, briefly explain.

SKILL REQUIREMENT

Finance Management Executive Assistance Cash Flow Management

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Finance Operations Manager (Card & Capital Strategy)

Please login or register as jobseeker to apply for this job.

TYPE OF WORK

SALARY

HOURS PER WEEK

DATE UPDATED

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