BIN Sponsorship Operations Analyst

Airtel Payments Bank; Mumbai; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Airtel Payments Bank is seeking a seasoned professional to manage BIN Sponsorship operations, settlement processing, and regulatory compliance. The role requires coordinating with card networks, sponsors, and regulators to ensure smooth processing and risk controls.

You will oversee transaction processing, settlements, and audit readiness while maintaining documentation and reporting for stakeholders. Mumbai-based role with exposure to fintech partnerships.

Qualifications

• 4–8 years of experience in Banking Operations, Cards Operations, Payments, Acquiring, Issuing, or BIN Sponsorship.
• Strong understanding of card payment ecosystems and settlement processes.
• Experience with Visa, Mastercard, RuPay, NPCI, or fintech partnerships is preferred.

Responsibilities

• Oversee daily card transaction processing and reconciliation.
• Monitor settlement files, chargebacks, disputes, and exception management.
• Ensure timely resolution of transaction and settlement discrepancies.
• Coordinate with finance and treasury teams for settlement funding and reconciliations.
• Ensure adherence to RBI regulations, card scheme rules, AML/KYC requirements, and internal policies.
• Monitor sponsored entities for operational and compliance risks.
• Support internal and external audits related to BIN Sponsorship programs.
• Maintain required documentation and regulatory reporting.
• Act as a single point of contact for sponsored partners and internal stakeholders.
• Liaise with card networks, processors, technology teams, compliance, risk, and business units.
• Conduct periodic reviews with partners and manage escalation handling.
• Prepare MIS reports, dashboards, and operational performance metrics.
• Track transaction volumes, settlement health, fraud trends, and service levels.
• Provide insights and recommendations to improve operational efficiency and controls.

Skills

Banking operations

Card payments understanding

Stakeholder coordination

Education

MBA or equivalent

Job description

Purpose of Job

To manage and support BIN Sponsorship operations, transaction processing, compliance monitoring, settlement management, and stakeholder coordination for sponsored fintech's, payment aggregators, and card program partners. The role requires close collaboration with internal teams, card networks, regulators, sponsor partners, and clients to ensure operational efficiency and regulatory compliance.

Job Description

• Oversee daily card transaction processing and reconciliation.
• Monitor settlement files, chargebacks, disputes, and exception management.
• Ensure timely resolution of transaction and settlement discrepancies.
• Coordinate with finance and treasury teams for settlement funding and reconciliations.
• Ensure adherence to RBI regulations, card scheme rules, AML/KYC requirements, and internal policies.
• Monitor sponsored entities for operational and compliance risks.
• Support internal and external audits related to BIN Sponsorship programs.
• Maintain required documentation and regulatory reporting.
• Act as a single point of contact for sponsored partners and internal stakeholders.
• Liaise with card networks, processors, technology teams, compliance, risk, and business units.
• Conduct periodic reviews with partners and manage escalation handling.
• Prepare MIS reports, dashboards, and operational performance metrics.
• Track transaction volumes, settlement health, fraud trends, and service levels.
• Provide insights and recommendations to improve operational efficiency and controls.

Experience

• 4-8 years of experience in Banking Operations, Cards Operations, Payments, Acquiring, Issuing, or BIN Sponsorship.
• Strong understanding of card payment ecosystems and settlement processes.
• Experience working with Visa, Mastercard, RuPay, NPCI, or fintech partnerships is preferred.

Qualification

• MBA or relevant professional certification preferred.