Analyst, Financial Operations

Overview

Daily execution of transaction reconciliations, partner fund settlements, escrow monitoring and operational reporting within the Engage vertical, ensuring compliance with RBI PPI regulations and SOPs.

What you'll do

• Complete daily transaction reconciliations within SLA (T+1 for PPI and gift card/loyalty transactions).
• Ensure 100% accurate and timely fund settlements to merchants and partners per agreed cycles.
• Adhere to reconciliation SOPs to detect variances and eliminate manual errors that could cause financial loss.
• Tag daily bank account statements, identify unknown debit and credit entries, and close open items on a T+3 basis.
• Monitor daily fund movements, track daily variances and prepare Escrow Adequacy reports.
• Reconcile and update the Stock Management report daily on a T+1 basis.
• Keep daily reconciliation summaries, workbooks and proof files updated and archived on Google Drive.
• Review and address partner and merchant operational queries within a 24-hour SLA.
• Partner with Tech, Product, Finance and Compliance teams to resolve operational roadblocks and incident queries raised via email/Slack.
• Log banking portal issues, technical outages or gateway discrepancies in tracker sheets and flag critical blockers to management.
• Maintain strict compliance with RBI guidelines governing PPI operations, escrow accounts and payment settlements.
• Execute customer and partner refund requests accurately within defined SLAs.
• Maintain clear audit trails and clean data records compliant with statutory financial reporting guidelines.
• Review transaction datasets to detect recurring trends, anomalies and reconciliation mismatches.
• Recommend small-scale automations and Excel improvements to streamline BAU operations.

What you'll need

• Bachelor's degree in Commerce, Accounting, Finance, Business Administration, or related quantitative field.
• 0 to 2 years of relevant experience in financial operations, payment reconciliations, settlements, or treasury operations.
• Understanding of payment gateways, PPI regulations, wallet operations, escrow mechanisms and basic accounting principles (AR/AP).
• Competence in Microsoft Excel / Google Sheets (VLOOKUP, XLOOKUP, Pivot Tables, SUMIFS, data validation).
• Ability to handle large transaction datasets, identify discrepancies and trace settlement variances.
• High diligence with numerical entries and strict adherence to process steps.
• Strong sense of accountability toward daily deadlines and operational metrics.
• Positive, collaborative team player, receptive to constructive feedback and proactive in sharing knowledge.

Nice to have

• Fintech / payment gateway background.

Details

• Location: Bengaluru.
• Reports within the Engage business vertical.