Merchant Settlements Associate

finera.; Dubai; On-site; AED 134,000 - 201,000; Full time

Benefits offered by this job

Exposure to multi-currency settlements

Job summary

finera. is seeking a Merchant Settlements Associate to join the Finance team in Dubai. This role supports the execution and accuracy of merchant settlement processes across payment systems and internal financial records.

The position plays an important role in assisting day-to-day settlement operations, supporting merchant fund flows, and helping resolve settlement-related queries and discrepancies. You will work closely with Finance, Operations, Account Management, and payment partners to

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field.
• 1–3 years of experience in merchant settlements, payments operations, or financial operations.
• Experience in fintech/payments or transaction-heavy environments preferred; digital assets a plus.

Responsibilities

• Support daily merchant settlement processes, ensuring timely and accurate fund transfers.
• Monitor settlement flows across payment processors, banking partners, and internal systems.
• Help prepare settlement amounts, deductions, and net payouts.
• Track settlement cycles (e.g., T+N) and escalate delays or discrepancies.
• Ensure accuracy of fund flow records under supervision.
• Assist in reconciling settlement data across processors, internal systems, and reports.

Skills

Attention to detail

Analytical mindset

Communication

Education

Bachelor’s degree in Finance

Tools

Xero

NetSuite

Job description

Job Description

finera. is seeking a Merchant Settlements Associate to join the Finance team in Dubai. This role supports the execution and accuracy of merchant settlement processes across payment systems and internal financial records.

Job Description

finera. is seeking a Merchant Settlements Associate to join the Finance team in Dubai. This role supports the execution and accuracy of merchant settlement processes across payment systems and internal financial records.

The position plays an important role in assisting day-to-day settlement operations, supporting merchant fund flows, and helping resolve settlement-related queries and discrepancies. You will work closely with Finance, Operations, Account Management, and payment partners to ensure smooth settlement processes and maintain high standards of financial accuracy and merchant support.

Operating within a fast-paced fintech environment, the role provides exposure to multi-currency and digital asset (cryptocurrency) settlement environments, including interaction with modern custody and wallet infrastructure.

Job Requirements

Education

• Bachelor’s degree in Finance, Accounting, or a related field.

Experience

• 1–3 years of experience in merchant settlements, payments operations, or financial operations
• Experience in fintech, payments, or transaction-heavy environments is preferred
• Exposure to digital assets or cryptocurrency is a plus

Technical Skills

• Proficiency in Microsoft Excel
• Familiarity with accounting or ERP systems (e.g., Xero, NetSuite, or similar)
• Basic understanding of payment processing, settlement flows, and reconciliation
• Exposure to digital asset platforms is advantageous

Competencies

• Strong attention to detail and accuracy
• Analytical mindset with willingness to learn and investigate discrepancies
• Good communication skills, especially when explaining financial information
• Strong organisational skills and ability to manage multiple tasks

Nice to Have

• Exposure to cryptocurrency or digital asset environments
• Basic understanding of merchant acquiring or payment gateways
• Familiarity with reconciliation or settlement tools

Job Responsibilities

Merchant Settlement Execution & Fund Flow Support

• Support daily merchant settlement processes, ensuring timely and accurate fund transfers
• Assist in monitoring settlement flows across payment processors, banking partners, and internal systems
• Help prepare settlement amounts, deductions, and net payouts
• Track settlement cycles (e.g., T+N structures) and elevate delays or inconsistencies
• Ensure accuracy of fund flow records under supervision

Settlement Reconciliation & Validation

• Assist in reconciling settlement data across processors, internal systems, and reports