Job Description

About Lightyear

We’re on a mission to make investing better for everyone in Europe. More specifically, we’re making it light years better (sorry… we had to!). We’re combining multi-currency accounts with unlimited access to global markets so that everyone in Europe can invest without sneaky hidden fees or unnecessary barriers.

Over the last 4 years, we’ve grown from being just an idea to a regulated business in both the UK & the EU, launching in 25 countries and raising $58M along the way. And we’ve hired a team of 70+ people from some of the best fintechs and startups in Europe.

We’ve got a stellar group of investors behind us including Lightspeed Venture Partners, Sir Richard Branson, Mosaic Ventures, NordicNinja, Taavet Hinrikus, Jaan Tallinn, Sten Tamkivi, Markus Villig, and Lars Trunin as well as a host of angel investors. In 2025, we’ve also hit the milestone of $1bn in customer assets.

What you will do

As Payment Operations specialist you will be monitoring our payments engine and stepping in when manual intervention is needed. Your decisions and actions will have a direct impact on the customers and our product.

You will work in a fast-paced, friendly, and professional team with a lot of autonomy and little bureaucracy. You’ll have the freedom to share ideas and have a lasting impact on our organisation.

Payment Operations

• Execute daily payment operations: process incoming and outgoing transactions, assist Customer Operations with payment-related queries, and ensure timely follow-ups on operational actions.
• Monitor payment activity to identify discrepancies, unusual trends, or potential escalation items (e.g. fraud, money laundering, or terrorist-financing red flags).
• Manage operational escalations from Customer Operations: troubleshoot failed or delayed payments, investigate missing funds, and coordinate offboarding or fund movement during customer closure.
• Define and monitor payment health metrics such as speed of acceptance/withdrawal, manual work items, and customer error rates.
• Maintain and enhance operational documentation payment processes, partner-specific procedures, and escalation playbooks.
• Contribute to incident management document incident details, coordinate with partners, and act as subject-matter expert (SME) for payment-related issues.
• Drive process and tooling improvements by identifying recurring issues and working with Product, Engineering, and Compliance to enhance both internal tools and customer-facing flows
• Prepare and maintain training materials and onboarding content for payment operations tasks, ensuring coverage, consistency, and team growth

Requirements

• Exceptional written and spoken English – you’ll need to interact with customers via email today and potentially chats/phone in the future.
• 2+ years of experience in Payment Operations within a regulated environment (fintech/banking/other financial services)
• Empathy for customer problems and a drive to solve their issues.
• You are a quick learner
• Strong communicator and able to work across teams and functions.
• Computer literacy – we’re an early growth start-up, and our tools are still being developed, so you’ll need to be comfortable with using less refined tools.
• Basic SQL skills.
• Having an understanding of investment services, experience in a startup environment or previous experience running customer support are pluses.

Benefits

💵 A competitive startup package with stock options that vest monthly after a one-year cliff

📍 Brand new office in Tallinn (Kalamaja)

⏰ Flexible working hours

🏡 A flexible approach to working remotely - 2 remote days per week allowed

🏥 Private health insurance

☕️ All the usual office facilities, including free tea, coffee & snacks

🐶 Dog-friendly office (20% distracting, but 100% cute: see here)

🚲 Cycling or running to work? We’ve got bike parking and showers

Interview process outline

1. Intro call with a recruiter 🤳🏽
2. Video call with the Head of Customer Operations 💻
3. Team interview on-site 💼
4. Meeting with one or both of founders 🙈