Payments Operations Analyst (Fintech)

Description

Job Summary: A professional responsible for ensuring the operational success of the ProntoPaga launch, guaranteeing efficiency, agility, and excellence in payment processes and client integration. Key Highlights: 1. Key role in continuous improvement and operational decision-making 2. Responsible for monitoring, reconciliation, and resolution of payment incidents 3. Participation in process automation and continuous improvement **Description** Join our team and become part of an industry-leading company! JOB PURPOSE: A professional responsible for ensuring the operational success of the ProntoPaga launch, ensuring that every process—from payment execution to onboarding of new clients—operates with precision, agility, and excellence. The Payments Operations Analyst will be responsible for safeguarding smooth business operations by anticipating and resolving incidents, collaborating with commercial, product, and compliance teams, and ensuring continuity and efficiency of daily operations. This role will be critical to ensuring operational efficiency, availability of inputs, generation of metrics, and support for data-driven decision-making with a focus on continuous improvement. KEY RESPONSIBILITIES AND EXPECTED OUTCOMES: 1\. Transaction Monitoring and Control: Verify that operations execute without errors across various touchpoints: * Payment capture (checkout, payment link, QR code, etc.). * Processing with banks, gateways, and partners. * Transaction approval or rejection. * Commission reflection in systems. * Timely and accurate fund disbursement to merchants, balance generation. * Merchant receipt of payment (settlement). 2\. Commercial Team Operational Support: * Facilitate onboarding of new merchants. * Ensure business requirements are accurately translated into technical deliverables. * Prepare performance reports and key metrics. 3\. Payment Reconciliation: * Ensure each transaction is correctly reflected across different systems (console, Simetrik, ERP). * Transaction-level reconciliation. * Commission and tax reconciliation. * Analyze discrepancies and perform adjustments. 4\. Error and Incident Management: * Detect and resolve failed, duplicate, or pending transactions. * Analyze root causes of errors (timeouts, acquirer failures, inconsistencies). * Coordinate with technical teams to resolve systemic issues. 5\. Settlement Process Validation: * Verify that merchant payments (settlements) are executed correctly, in amount and timing. * Monitor applied commissions: service fees, discounts, taxes, etc. * Ensure adherence to payment schedules. 6\. Operational Metrics and KPI Analysis: Track indicators such as: * Volume of processed transactions. * Approval rate. * Reversals and refunds. * Chargeback rate. * Anomaly detection (e.g., merchants not receiving payments, off-hours disbursements, etc.). 7\. Customer Wallet Balance Management and Control: * Supervise and control available and held balances in customer accounts, ensuring accurate reflection of transactions (inflows, outflows, commissions, holds, adjustments). * Monitor fund movements to ensure integrity and consistency of data against accounting and transactional systems. * Implement alert and control mechanisms to detect deviations, errors, or inconsistent balances, managing their analysis and timely resolution. * Collaborate closely with technology, product, and customer support teams to ensure correct configuration of business rules affecting balances (fees, freezes, reversals, etc.). 8\. Automation and Continuous Improvement: * Propose automation of manual or repetitive tasks. * Document procedures and suggest improvements to operational processes. * Participate in testing of new payment- and disbursement-related features. 9\. Merchant Support / Internal Support: * Provide support to merchants regarding unrecognized transactions, non-received payments, or disbursement errors. * Collaborate with customer support, product, technology, and commercial teams. **Requirements** Academic Qualifications: * Professional degree in Engineering, Business Administration, Economics, or related field (Preferred). Relevant Work Experience: * Minimum 4 years of professional experience, including at least 2 years in payment operations, fintech, banking, or payment methods. * Experience in B2B payments and engagement with banks, gateways, and local partners. * Preferred experience in product launches or market expansion. Technical Knowledge: * Payments ecosystem (banks, acquirers, e-wallets) (Mandatory). * Payment flows, reconciliations, and SLAs (Mandatory). * Operational reporting and performance metrics. * Intermediate–Advanced Excel (Mandatory). * Basic SQL knowledge preferred. * Familiarity with AI tools preferred. * Intermediate English proficiency preferred. Work Location: San Isidro Working Hours: Monday–Friday, 8:00 AM–5:00 PM or 9:00 AM–6:00 PM Salary: Up to S/.3,500.00 per month Application Questions: * What is your salary expectation? * Are you available to start immediately? * How many years of experience do you have in this role performing the functions described above? * How many years of experience do you have in this industry? Work Location: On-site employment