Consultant - Financial Reconciliation

Nium; Mumbai; Hybrid; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Flexible hybrid schedule

Job summary

Nium is seeking a Financial Reconciliation professional to join its team focused on reconciling all NIUM products. You will handle reconciliation rules, review bank statements, and collaborate with Tech and Finance to meet timelines.

The role supports a global, multi-currency platform with rotating shifts and a flexible holiday schedule as NIUM operates across geographies.

Qualifications

• 4-6 years of relevant experience in the reconciliation process.
• Strong understanding of reconciliation rules and platform nuances.
• Hands-on experience in Payments, Cards, Wallets in a multicurrency setup.
• Knowledge of payment formats like SWIFT/ACH and related risks.
• Experience coordinating with Finance and Tech teams to fulfill requirements.

Responsibilities

• Understand reconciliation processes across Cross Border Remittances, Card Transactions, Wallet Transactions.
• Review, edit, and create reconciliation rules on the platform.
• Prepare daily/weekly/monthly/annual reports on outcomes and exceptions.
• Identify discrepancies in bank statements and raise required information for reconciliation.
• Coordinate with stakeholders to review and clear open items.
• Collaborate with Tech to draft BRDs and Change Requests; align with Finance on output and timelines.
• Work in a rotational shift environment across geographies.

Skills

Reconciliation experience

Cross-border payments

Payments platforms

SWIFT/ACH knowledge

Multicurrency environment

Stakeholder coordination

Self-driven

Tools

Reconciliation platform

Finance systems

Job description

Nium, the Leader in Real-Time Global Payments

Nium, the leading global infrastructure for real-time cross-border payments, was founded on the mission to deliver the global payments infrastructure of tomorrow, today. With the onset of the global economy, its payments infrastructure is shaping how banks, fintechs, and businesses everywhere collect, convert, and disburse funds instantly across borders. Its payout network supports 100 currencies and spans 190+ countries, 100 of which in real-time. Funds can be disbursed to accounts, wallets, and cards and collected locally in 40 markets. Nium's growing card issuance business is already available in 34 countries. Nium holds regulatory licenses and authorizations in more than 40 countries, enabling seamless onboarding, rapid integration, and compliance - independent of geography. The company is co-headquartered in San Francisco and Singapore.

About the role

You will be part of the Financial Reconciliation Team focusing on reconciliation for all the products of NIUM.

Key Responsibilities

• Have a strong understanding of Reconciliation processes (Cross Border Remittances, Card Transactions, Wallet Transactions), implications, risks, and controls.
• Review, edit and/or create reconciliation rules on the reconciliation platform.
• Prepare daily/weekly/monthly/annually Reports on outcomes and exceptions.
• Have a clear understanding of Bank Statements, able to identify exceptions and highlight theinformation required for Reconciliation.
• Make exceptions visible to the Operational Leadership team on a timely basis is very key to thesuccess in the role.
• Coordinate with relevant stakeholders for reviewing and clearing open items.
• Work with the Tech team on preparing and finalizing the Business Requirement Documents and the Change Request documents
• Work with the Finance team to meet requirements on both output & strict timelines.
• This role will require you to work in a rotational shift environment. Also, given Nium operatesacross multiple geographies there are no fixed holidays, and we follow a flexible holiday schedule.

Requirements

• 4-6 years of relevant experience in the reconciliation process.
• Good understanding of the nuances of a Reconciliation Platform and of the Reconciliation rules
• Strong hands‑on reconciliation experience in Payments or Cards or Wallets or all in a multicurrency environment
• Good understanding of payment formats like SWIFT/ACH, currencies, payment gateways, operational risk around payments.
• Worked with Finance teams to meet their accounting requirements within defined timelines.
• Identify system discrepancies and work with the Tech team for short- & long‑term solutions.
• Self‑driven and a go getter who is comfortable in dealing with open ended problems.
• Is solution oriented and can come up with solution options for problem statements.

What we offer at Nium

We Value Performance:Through competitive salaries, performance bonuses, sales commissions, equity for specific roles and recognition programs, we ensure that all our employees are well rewarded and incentivized for their hard work.

We Care for Our Employees:The wellness of Nium’ers is our #1 priority. We offer medical coverage along with 24/7 employee assistance program, generous vacation programs including our year‑end shut down. We also provide a flexible working hybrid working environment (3 days per week in the office).

We Upskill Ourselves:We are curious, and always want to learn more with a focus on upskilling ourselves. We provide role-specific training, internal workshops, and a learning stipend.

We Celebrate Together:We recognize that work is also about creating great relationships with each other. We celebrate together with company-wide social events, team bonding activities, happy hours, team offsites, and much more!

We Thrive with Diversity:Nium is truly a global company, with more than 33 nationalities, based in 18+ countries and more than 10 office locations. As an equal opportunity employer, we are committed to providing a safe and welcoming environment for everyone.

For more detailed region specific benefits : https://www.nium.com/careers#careers-perks

For more information visit www.nium.com

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