Payments Ops Analyst

Job Description: Payments Operations (Failure Diagnostics Focus)

Location: Remote (India)

Type: Full-time

Role Overview

We are hiring a Payments Operations professional to own and debug transaction failures end-to-end in a fast-paced fintech environment.

This role is not just about monitoring or reconciliation — the core focus is:

• Diagnosing why payments fail
• Resolving issues across systems, partners, and flows
• Understanding domestic and cross-border payment lifecycles deeply

The ideal candidate should be able to step in on Day 1 and debug a failed transaction independently.

What You’ll Do

1.Transaction Flow Ownership

• Understand and manage end-to-end payment lifecycle (initiation → processing → settlement)
• Work across payment rails: UPI, Cards, Netbanking, Wallets, and cross-border rails (SWIFT, etc.)

2.Failure Diagnosis (Core Responsibility)

• Investigate and debug failed transactions end-to-end
• Perform root cause analysis (RCA) across:
• Payment gateways
• Banking partners
• Internal systems
• Identify failure patterns and drive resolution

3.Resolution Ownership

• Personally own and resolve transaction issues
• Avoid pure escalation dependency — expected to close loops independently
• Collaborate with internal teams, banks, and partners to fix issues

4.Cross-Border Payment Understanding

• Work with multi-currency and international payment flows
• Understand settlement flows, FX implications, and partner dependencies

5.Startup Execution

• Operate in a high-ambiguity, fast-paced environment
• Be comfortable with early working hours (starting ~7 AM)
• Take initiative without structured processes

Must-Have Requirements (Non-Negotiable)

1.Payment Flow Understanding

• Clear understanding of how a transaction works end-to-end
• Exposure to multiple payment methods and systems

2.Failure Debugging Experience

• Proven ability to analyze and diagnose payment failures
• Hands-on RCA experience (not just monitoring dashboards)

3.Ownership Mindset

• Demonstrated experience personally resolving transaction issues end-to-end
• Not limited to escalation or coordination roles

4.Cross-Border Exposure

• Experience with international payments / multi-currency flows
• Understanding of global payment rails (e.g., SWIFT)

5.Startup Fit

• Comfortable with ambiguity, speed, and ownership
• Willingness to work in early-hour, high-responsibility setup

Good to Have

• Experience in fintech or high-growth startup environments
• Exposure to fraud, disputes, or chargebacks
• Strong analytical skills (Excel / SQL)

Not a Fit If

• Experience is limited to reconciliation, settlements, or reporting
• No hands-on failure debugging ownership
• Pure lending, KYC, AML, or compliance-heavy background
• No exposure to end-to-end payment lifecycle

How Success is Evaluated

Candidates will be assessed on:

1. Ability to explain a payment flow end-to-end
2. Depth in debugging failed transactions
3. Evidence of ownership in resolving issues
4. Understanding of cross-border payments
5. Alignment with startup execution style