FinOps Associate - Payments Operations & Reconciliation

3one4 Capital; India; On-site; INR 800,000 - 1,200,000; Full time

Job summary

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.

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 (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.

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.

Skills

Payments operations

Reconciliation

Attention to detail

SQL basics

Education

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

Tools

Excel/Google Sheets

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.