Payment Operations & Integrity Analyst (24/7)
Industry: Fintech
Location : Sector-3 Noida (Nr. Sec-16 Metro Station)
Experience : 1+ years in
CTC : (25-35% hike on your last CTC)
Work Mode : On-site, 5 days (Roaster Off)
Job Profile Summary
This role focuses on the continuous integrity of the movement of funds. The Analyst is responsible for real-time reconciliation and detecting systemic failures through the lens of server availability and transactional patterns. They act as the central nervous system connecting Technical Engineering, Finance, and Transaction Monitoring teams.
Key Responsibilities :
1. Infrastructure-Led Security Monitoring
- Availability-Based Security: Monitoring server uptime and downtime as a primary indicator of system health or breach. Investigating any unplanned downtime as a potential precursor to unauthorized access or system tampering.
- Incident Triage: In the event of server downtime, immediately coordinating with Engineering to determine if the cause is a technical glitch or a "masking" tactic for a financial breach.
2. Financial Integrity & End-to-End Reconciliation
- Continuous Reconciliation: Performing real-time random synchronized reconciliation (Reco) between the internal ledger, escrow balances, and gateway reports.
- KYC/Account Validation: Monitoring for payouts to unrecognized multiple or "un-whitelisted" bank accounts that bypass standard verification protocols.
- Velocity Checks: Flagging suspicious bulk changes to payout destinations (IBAN/Wallet) within a short timeframe.
- PG Health Analytics: Monitoring real-time success and failure rates for the Payment Gateway (receivables) categorized by specific payment instrument and issuing bank.
- Payout Success Tracking: Analyzing disbursement success and failure rates per destination bank and IFSC to identify systemic banking delays or technical outages.
3. Cross-Departmental Bridge
- Incident Coordination: Acting as the primary liaison between Technical Engineering (for server issues), Finance (for fund movement), and the Transaction Monitoring team (for fraud patterns).
- Reporting: Providing data to all three departments to reach a single source of truth during financial discrepancies or system outages.
Candidate Requirements
- Experience in Payment Ops, Reconciliation, or Back-office Banking operations.
- High proficiency in Excel/Data analytics or internal dashboard monitoring to perform manual and automated reconciliations.
- Ability to identify "Logical Breaches" (e.g., if System A says Rs.100 was sent, but System B shows Rs.1000, find the leak).
- Strong verbal and written skills to manage the "Bridge" between technical and non-technical departments.
Pay: ₹35,000.00 - ₹65,000.00 per month
Education:
Experience:
- Transactions Monitoring: 1 year (Preferred)
- System Monitoring: 1 year (Preferred)
- Bank reconciliation: 1 year (Preferred)
- Payment Operations: 1 year (Preferred)
Shift availability:
- Day Shift (Preferred)
- Night Shift (Preferred)
- Overnight Shift (Preferred)
Work Location: In person
