FinOps Associate – Payments Operations & Reconciliation

glomo; Bengaluru, Gandhinagar; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Glomopay is seeking an experienced FinOps Associate to own day-to-day payments operations and reconciliation across multi-entity, multi-currency setup in India, GIFT City, and the US. You will collaborate with product and engineering to ensure accurate capture, reconciliation, and reporting of every transaction.

The role requires 1–3 years in payments ops or fintech finance, with strong knowledge of payment rails, bank reconciliation, and data analytics.

Qualifications

• 1–3 years of experience in payments operations, reconciliation, or fintech finance ops.
• Strong understanding of payment rails: UPI, IMPS, NEFT/RTGS, SWIFT, card networks.
• Hands-on experience with bank reconciliation, escrow matching, and settlement processes.
• Proficiency in Excel/Google Sheets; SQL basics are a strong plus.
• Attention to detail and comfort working with large volumes of transactional data.
• CA Inter / CMA Inter / B.Com / BBA Finance or equivalent qualification.

Responsibilities

• Manage end-to-end reconciliation across payment rails for collections, payouts, and internal treasury transfers.
• Track and reconcile inbound/outbound of transactions, ensuring accuracy of merchant settlements.
• Coordinate with banking partners and payment aggregators on settlement queries, failed transactions, chargebacks, and exception handling.
• Monitor daily float positions and flag discrepancies to the VP Finance in real time.
• Perform daily, weekly, and monthly reconciliation of payment gateway records against bank statements, ledger entries, and internal system logs.
• Identify and investigate breaks, suspense items, and unmatched entries; drive resolution with product/engineering teams.
• Build and maintain reconciliation trackers, MIS dashboards, and exception reports.
• Support month-end and quarter-end close processes by ensuring all payment-related entries are reconciled and booked accurately.
• Prepare monthly reconciliation for escrow accounts and reconcile the book balances with the actual balances.
• Document SOPs for reconciliation workflows, escalation matrices, and exception-handling procedures.
• Identify opportunities to automate manual reconciliation tasks; work with engineering to define requirements for recon tooling.
• Contribute to the design and testing of internal ledger/reconciliation systems as the platform scales.
• Ensure payment operations comply with RBI, IFSCA, and FEMA guidelines applicable to cross-border transactions.
• Assist in preparing regulatory returns and audit schedules related to payment flows and foreign exchange transactions.
• Support internal and external audit queries with transaction trails and supporting documentation.

Skills

Payments operations

Bank reconciliation

Attention to detail

FinOps experience

Reconciliation

Finance data analysis

Education

CA Inter / CMA Inter / B.Com / BBA Finance or equivalent qualification

Tools

Excel

Google Sheets

SQL

Job description

About the Role

Glomopay is building cross-border payment infrastructure for global businesses. As a FinOps Associate, you will own the day-to-day payments operations and reconciliation lifecycle across our multi-entity, multi-currency structure spanning India (DTA), GIFT City IFSC, and the US. This is a high-ownership role where you will work at the intersection of finance, product, and engineering to ensure every transaction is accurately captured, reconciled, and reported.

Key Responsibilities

Payments Operations

• Manage end-to-end reconciliation across payment rails for collections, payouts, and internal treasury transfers.
• Track and reconcile inbound/outbound of transactions, ensuring accuracy of merchant settlements.
• Coordinate with banking partners and payment aggregators on settlement queries, failed transactions, chargebacks, and exception handling.
• Monitor daily float positions and flag discrepancies to the VP Finance in real time.

Reconciliation & Controls

• Perform daily, weekly, and monthly reconciliation of payment gateway records against bank statements, ledger entries, and internal system logs.
• Identify and investigate breaks, suspense items, and unmatched entries; drive resolution with product/engineering teams.
• Build and maintain reconciliation trackers, MIS dashboards, and exception reports.
• Support month-end and quarter-end close processes by ensuring all payment-related entries are reconciled and booked accurately.
• Prepare monthly reconciliation for escrow accounts and reconcile the book balances with the actual balances.

Process Improvement & Automation

• Document SOPs for reconciliation workflows, escalation matrices, and exception-handling procedures.
• Identify opportunities to automate manual reconciliation tasks; work with engineering to define requirements for recon tooling.
• Contribute to the design and testing of internal ledger/reconciliation systems as the platform scales.

Compliance & Reporting

• Ensure payment operations comply with RBI, IFSCA, and FEMA guidelines applicable to cross-border transactions.
• Assist in preparing regulatory returns and audit schedules related to payment flows and foreign exchange transactions.
• Support internal and external audit queries with transaction trails and supporting documentation.

Requirements

Must-Have

• 1–3 years of experience in payments operations, reconciliation, or fintech finance ops.
• Strong understanding of payment rails: UPI, IMPS, NEFT/RTGS, SWIFT, card networks.
• Hands-on experience with bank reconciliation, escrow matching, and settlement processes.
• Proficiency in Excel/Google Sheets (VLOOKUP, pivot tables, conditional formatting at minimum); SQL basics are a strong plus.
• Attention to detail and comfort working with large volumes of transactional data.
• CA Inter / CMA Inter / B.Com / BBA Finance or equivalent qualification.

Good-to-Have

• Prior experience at a payments company, neobank, or cross-border fintech.
• Familiarity with multi-currency accounting and FX reconciliation.
• Working knowledge of FEMA/IFSCA/RBI reporting requirements for authorized dealers or payment aggregators.

What You’ll Get

• Front-row seat to building financial infrastructure at a licenced PSP & cross-border fintech.
• Direct exposure to multi-jurisdictional payment flows across India, GIFT City and multiple locations.
• High ownership from day one – your work directly impacts settlement accuracy and cash flow visibility.
• Opportunity to shape reconciliation tooling and processes as the platform scales.