Payment Operations and Reconciliation Officer

Job title : Payment Operations and Reconciliation Officer

Role Summary

• Payment Operations and Reconciliation Officer will manage day-to-day payment processing, reconciliations, and settlement activities. Ensure all financial transactions are accurately, recorded, reconciled, and reported in a timely manner. The officer must demonstrate strong analytical skills and a deep understanding of financial reconciliation processes including failed transactions, reimbursement and other payment processes within a payment gateway.  FinTech experience is mandatory.

Key Responsibilities

• Process and monitor daily payment transactions across multiple channels (cards, transfers, wallets, ACH, RTGS, etc.).
• Perform daily, weekly, and monthly reconciliations between internal systems, banks, settlement accounts, and PSP reports.
• Investigate and resolve reconciliation breaks, discrepancies, failed or pending transactions, and settlement differences.
• Track settlement cycles and ensure timely funding and payout to merchants, partners, or customers.
• Liaise with banks, payment processors, PSPs, and internal teams to resolve operational payment issues.
• Monitor transaction flows for exceptions, delays, reversals, chargebacks, and refunds.
• Support chargeback and dispute processes by providing transaction data and reconciliation evidence.
• Maintain accurate operational records at all times.
• Escalate operational risks, payment failures, or unusual transaction patterns to management.
• Support process improvements to ensure risk management and transparency.

Requirement

• Bachelor’s degree in finance, accounting, business administration, economics, or a related field.
• 3–5 years of experience in payment gateway transactions, reconciliation or financial services operations.
• Strong analytical skills with high attention to detail.
• Experience in payment operations within a fintech, digital payments, or financial services environment.
• Strong understanding of electronic payment systems, including card payments, bank transfers, wallets, and real-time or alternative payment methods.
• Hands-on experience reconciling high-volume, automated transaction flows across internal platforms, payment gateways, banks, and third-party processors.
• Ability to investigate, analyze, and resolve payment discrepancies, chargebacks, reversals, and settlement issues.
• Familiarity with payment lifecycles, settlement timelines, and exception handling in scalable systems.
• Strong analytical skills with exceptional attention to detail and data accuracy.
• Proficiency in reconciliation tools, spreadsheets, and payment or ledger systems.
• Understanding of risk, fraud controls, and compliance requirements relevant to fintech payment operations.
• Ability to work cross-functionally with engineering, product, finance, and external payment partners.
• Strong organizational skills and the ability to operate effectively in a high-growth, fast-paced environment.
• Excellent written and verbal communication skills.