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Tomo Credit

Fintech credit card for nontraditional underwriting

Payment Optimization Manager

Full-TimeUpdated on 10/23/2026
No salary listed
Mid
San Francisco, CA, USA
In Person
Business & StrategyBusiness Operations

About the job

Requirements
  • At least 4 years of product or operations experience in a fast-paced company, including at least 3 years in payment operations, processing, or digital banking.
  • Deep technical knowledge of payment systems, money movement, card issuing, and settlement processes.
  • Ability to work cross-functionally in a fintech environment.
  • High proficiency in SQL, including complex queries, joins, and optimizations.
  • Strong analytical ability and a track record of resolving complex transaction issues.
  • Expertise in Excel and Google Sheets, including building financial models and reconciliations from scratch.
  • Working knowledge of accounting and financial reporting, especially reconciliation.
  • Written and verbal communication skills, attention to detail, and documentation ability.
  • Ability to work independently, prioritize, and meet deadlines in a remote-first environment.
Responsibilities
  • Improve authorization rates and reduce payment failures.
  • Communicate with banking and network partners to troubleshoot reporting inconsistencies and maintain operational alignment.
  • Manage and resolve issues related to payment failures, chargebacks, disputes, and bank escalations.
  • Partner with product and engineering teams to define requirements and implement improvements for payment-related systems and tools.
  • Design and maintain real-time operational reports and dashboards using tools such as Looker Studio and Google BigQuery.
  • Drive documentation efforts with Technical Writers to build clear and accessible internal and external resources.
  • Conduct root cause analysis on transaction anomalies and recommend systematic process improvements.
  • Own development and reporting of reconciliation metrics and Payment Operations KPIs for internal stakeholders.
  • Identify operational pain points and implement scalable process enhancements to support company growth.
Desired Qualifications
  • Experience with Google BigQuery.

About the company

T

Tomo Credit

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Website

Tomo Credit offers credit products for people with little or no credit history, including the TomoCredit Mastercard, a charge card that requires paying the full balance each month and includes an AI-powered financial advisor. It underwrites customers with a proprietary Cash Score that analyzes assets and financial behavior rather than using traditional credit scores. The company earns revenue from merchant interchange fees on card transactions and focuses on newcomers to credit such as students and immigrants. Its goal is financial inclusion by helping users build credit history through responsible payment and budgeting tools.

Company Size

11-50

Company Stage

Series B

Total Funding

$139M

Headquarters

San Francisco, California

Founded

2018

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Simplify Jobs

Simplify's Take

What believers are saying

  • TomoIQ reached 400,000 members by March 2026, signaling real consumer adoption.
  • Inc. named TomoCredit to the 2026 Inc. 5000 after TomoIQ's launch.
  • April 2026 upgrades expanded TomoIQ's decision support and continuous financial guidance.

What critics are saying

  • Prism Data sued TomoCredit for trademark infringement in May 2026.
  • A January 2026 class action alleges TomoBoost deceived customers and blocked cancellations.
  • BBB shows 804 complaints, 654 unanswered, and only 16 employees in March 2026.

What makes Tomo Credit unique

  • Kristy Kim built TomoCredit for immigrants and credit-invisible consumers since 2018.
  • TomoIQ uses proprietary behavioral data for AI financial guidance, launched March 2026.
  • TomoCredit's 2022 Series B drew Morgan Stanley, Mastercard, and Silicon Valley Bank.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Company Equity
  • Remote Work Options
  • Company Social Events

Growth & Insights and Company News

Headcount

6 month growth

-9%

1 year growth

-9%

2 year growth

-9%
PR Newswire
Oct 19th, 2026
TomoIQ launches Money Finder, an AI agent for cutting bills and finding credit products

TomoIQ, the AI-native personal finance platform from San Francisco-based fintech TomoCredit, unveiled Money Finder on October 19, 2026, at Money20/20 USA in Las Vegas. The AI agent helps consumers lower everyday expenses, explore financial products, and find relevant resources in one conversation. Users can get personalised credit card and loan recommendations, debt management plans, and tips to cut recurring costs. The tool is available now to current TomoIQ customers. TomoCredit analysed more than 100,000 consumer conversations with TomoIQ. It found that 83% of consumers used AI to qualify for better credit cards, cars, or homes, rather than for budgeting alone. "The next generation of consumer AI won't just answer questions. It will help people take action," said Kristy Kim, TomoCredit's founder and chief executive officer.

Investors Hangout
Oct 19th, 2026
TomoIQ unveils Money Finder at Money20/20 event.

TomoIQ unveils Money Finder at Money20/20 event. Breaking down financial barriers with AI. In the hustle of Money20/20 USA in Las Vegas, TomoIQ dropped a financial bombshell with their latest tool, Money Finder. This isn't just another app in the sea of fintech solutions. Nope, this one promises to cut through the complexities that most folks face when trying to get their financial house in order. An AI buddy for personal finance. Money Finder isn't here to just answer questions - it's about taking action. Kristy Kim, TomoCredit's head honcho, talks a big game about this new AI agent. Whether you're a single mom counting dimes, a gig worker hunting for a decent credit card, or an immigrant trying to make sense of the convoluted financial system, Kim believes this tool can make a difference. It's built on the backbone of consumer demand, observed directly from the folks TomoCredit has connected with. "The value of AI is practical: What can it help me do?" Kim remarks, hitting on a point Investors Hangout, LLC all want answered when dealing with its cash flow. From financial questions to financial opportunities. The practical aspect here is something Money Finder seems to nail. Tackling the overwhelming number of financial products out there, this AI-driven tool offers a clearer path. Here's the gist of what Money Finder can do: * Discover Credit Cards and Loans: Personalized recommendations could save a heap of time and stress, matching you up with products that don't just look shiny but fit your financial profile. * Manage Debt: If debt's dragging you down, this tool churns out plans to help prioritize payments and give your finances a much-needed facelift. * Find Savings: Who doesn't want to save a buck? By finding less expensive alternatives, the tool promises to slash those pesky recurring expenses. * Navigate Everyday Money Decisions: From credit card dos and don'ts to long-term goals, Money Finder aims to provide you with AI-guided financial strategies. Focusing on real consumer needs. Interestingly, this initiative wasn't plucked from thin air. Over 100,000 conversations were sifted through, revealing a trend - people are using AI not just for budgetary advice but to snag better credit cards, cars, and homes. Yep, this is about getting hands-on help where you need it most. In a world where traditional credit scores can overlook real-life struggles, Money Finder is designed to bridge that gap, potentially proving more useful to those who are typically underserved. It's a bold move, banking on AI to unravel the mysteries of financial decision-making. Available now - A new chapter for TomoIQ. TomoIQ's Money Finder isn't just a fancy new gadget. It's supposedly a practical weapon in your financial arsenal, now available for those already using TomoIQ. While only time will tell if Money Finder lives up to its hype, it surely sets a new stage for financial accessibility. More importantly, it's about real-world implications for the everyday American navigating this tough financial landscape. TomoIQ, a brainchild of the San Francisco-based TomoCredit, combines the newest AI chat tech with insightful financial recommendations. If this AI wizard lives up to its potential, it could redefine how you and I approach money matters.

PR Newswire
Aug 26th, 2026
TomoCredit ranks No. 2,052 on Inc. 5000 as it launches TomoIQ AI financial assistant

TomoCredit, an AI-powered financial wellness company, has secured the No. 2,052 position on the 2026 Inc. 5000 list. The San Francisco-based company is expanding its mission through TomoIQ, a personalised AI financial assistant designed to help consumers manage debt, build credit, and make better financial decisions. Founded by CEO Kristy Kim, who immigrated to the US from South Korea at age 11, TomoCredit aims to create a more inclusive financial system. The company's team is 85% immigrants who have experienced financial barriers firsthand. TomoIQ represents the company's evolution from its original credit-building services, offering personalised financial guidance that was previously accessible mainly to wealthy consumers. The AI assistant helps users understand their credit health and identify practical steps toward their financial goals.

TomoCredit
Mar 27th, 2026
TomoCredit gains Real adoption from TomoIQ, powerful AI native financial agent to help everyday Americans navigate money with confidence.

TomoCredit gains Real adoption from TomoIQ, powerful AI native financial agent to help everyday Americans navigate money with confidence. Proven demand and deep behavioral data, AI native personal finance guidance for everyday Americans SAN FRANCISCO, March 27, 2026 /PRNewswire/ - TomoIQ, the AI-powered personal finance platform built for everyday Americans, today announced the launch of its upgraded AI agent - a smarter, AI native, intuitive guide designed to meet people where they are emotionally and financially. TomoCredit has been on a mission to democratize access to credit. Since its inception, the company has been at the forefront of innovation - bringing new products to market and challenging the status quo. Through this work, TomoCredit has built a suite of proprietary products that ultimately powered the creation of TomoIQ, an AI-native financial agent. In less than a year, TomoIQ attracted a fast-growing base of members spanning both free and paid tiers - signaling strong product-market fit and consumer adoption of an AI-native financial agent. The Real Reason People Hire Financial Advisors Conventional wisdom says people hire financial advisors to maximize returns. But behavioral finance research tells a different story: the true driver is emotional security. Money is deeply tied to fear, uncertainty, and life's biggest decisions. Most people aren't asking "How do I beat the S&P 500?" - they're asking "Am I going to be okay?" TomoIQ was built to answer that question. "Financial anxiety is a universal experience, but personalized financial guidance has never been universally accessible," said Kristy Kim, founder of TomoCredit "We built this agent to be the calm, knowledgeable voice in the room that everyday Americans have never had - one that helps you understand your situation, reassures you when you're spiraling, and catches you before you make an expensive mistake." What the Upgraded AI Agent Does Differently The newly upgraded TomoIQ agent goes beyond budgeting tools and account dashboards. It is designed to: * Provide genuine reassurance - answering the "Am I going to be okay?" questions that keep people up at night, with context-aware, personalized responses * Bring clarity to complex situations - from understanding APR on credit cards to navigating a job loss or major life change, TomoIQ breaks down complexity into confident next steps * Prevent costly mistakes - proactively flagging overspending patterns, high-interest debt traps, comparing insurance options and financial decisions that could have long-term consequences Since its launch, TomoIQ, AI native financial assistant, has helped 400,000 members across the country take control of their financial lives with hyper personalization. The upgraded agent is more capable at handling nuanced financial conversations, and early beta users reported feeling more confident about their financial decisions after using the platform. Availability The upgraded TomoIQ AI agent is available now at tomocredit.com About TomoCredit TomoIQ, by TomoCredit is an AI-powered personal finance platform dedicated to helping everyday Americans navigate their financial lives with clarity and confidence. Rooted in the principles of behavioral finance, TomoIQ provides personalized guidance, emotional reassurance, and practical financial protection

PR Newswire
Mar 27th, 2026
TomoCredit launches TomoIQ, AI financial agent helping 400,000 Americans navigate money decisions

TomoCredit has launched an upgraded AI agent called TomoIQ, designed to provide personalised financial guidance for everyday Americans. The AI-native platform has attracted 400,000 members across free and paid tiers in under a year, signaling strong product-market fit. TomoIQ addresses financial anxiety by answering questions like "Am I going to be okay?" rather than focusing solely on investment returns. The agent provides reassurance, clarifies complex financial situations and flags potential costly mistakes such as overspending patterns and high-interest debt traps. Founded by Kristy Kim, TomoCredit built TomoIQ using proprietary products and behavioural finance data. The upgraded agent offers more nuanced financial conversations, with early beta users reporting increased confidence in their financial decisions. The platform is now available at TomoCredit's website.