Reconciliation Specialist

Role overview

Responsibilities

• check_circle End-to-End Auditing: Validate transaction records across internal systems, payment gateways (PGs), banking partners, settlement files, and merchant reports.
• check_circle High-Volume Data Analysis: Analyze massive transaction datasets to promptly identify mismatches, pending settlements, duplicate transactions, and financial exceptions.
• check_circle Chargeback Management: Monitor disputed transactions, track the complete chargeback lifecycle, validate reversal entries, and ensure accurate accounting adjustments/recovery.
• check_circle Finance & Accounting Support: Validate transaction postings, track pending receivables, manage refund accounting, handle merchant payout reconciliation, and assist with balance sheet reconciliation.
• check_circle PG Cost Analysis: Monitor and analyze Payment Gateway costs (MDR charges, transaction processing fees, bank charges, gateway settlement fees) to identify cost-optimization opportunities.
• check_circle MIS & Dashboards: Prepare daily, weekly, and monthly MIS reports and design reconciliation dashboards for leadership, finance, and operations teams to support audit readiness.
• check_circle SQL Data Extraction: Write complex SQL queries for reconciliation checks, exception reporting, and data validation across large transactional databases.
• check_circle Python Automation: Utilize Python for data processing, large-scale data analysis, report generation, and data cleansing to significantly reduce manual operational effort.
• check_circle Continuous Improvement: Lead automation initiatives to improve reconciliation turnaround times, strengthen internal financial controls, and minimize operational risk.
• check_circle Vendor Collaboration: Partner with banks, payment gateways, and internal cross-functional teams to resolve operational issues and improve overall payment efficiency.
• check_circle Audit & Compliance: Ensure strict adherence to internal financial controls, accounting standards, audit requirements, and operational risk management policies.

Basic qualifications

• Education: Bachelor’s degree in Finance, Accounting, Commerce, Data Analytics, Computer Science, or a related quantitative field.
• Experience: 3–6 years of experience in payment reconciliation, fintech operations, payment gateway systems, or financial data analysis.
• Technical Skills: Advanced SQL: Proven ability to query, join, and analyze complex relational databases.
• Python: Proficiency in writing scripts for data cleansing, manipulation (e.g., Pandas, NumPy), and process automation.
• Excel: Advanced knowledge of pivot tables, VLOOKUPs/XLOOKUPs, and complex formulas.
• Domain Knowledge: Deep understanding of the payment ecosystem (MDR, settlement cycles, chargebacks, merchant payouts, and banking APIs).
• Analytical Mindset: Exceptional problem-solving skills with an eagle-eye attention to detail.