Payments Analyst

Stripe; Bengaluru; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Stripe seeks a Technical Operations Analyst on the Payments team to ensure reliability and accuracy of critical payment flows. You will triage live failures, drive reconciliation, and collaborate with global partners to resolve issues quickly.

This role requires owning investigations end-to-end, identifying systemic issues, and driving scalable process improvements in a fast-paced fintech environment.

Qualifications

• 3–7 years in technical operations, payments operations, or fintech.
• Advanced SQL proficiency for investigations and data analysis.
• Deep understanding of end-to-end payment flows (authorization, clearing, settlement, reconciliation).
• Experience investigating high-severity operational incidents with minimal oversight.
• Experience handling large-scale financial datasets and anomaly detection.
• Ability to manage cross-functional workflows across engineering, finance, and banking partners.
• Proven record of automation or efficiency improvements to reduce manual work.
• Experience writing and maintaining SOPs and runbooks to a high standard.
• Excellent English communication for technical and non-technical audiences.
• Comfortable working autonomously in a fast-paced environment.

Responsibilities

• Own reconciliation and payments-related investigations, ensuring accurate ledgering and prompt resolution with banking partners.
• Proactively monitor payment performance across users and methods; triage alerts and diagnose root causes.
• Serve as escalation point for complex inquiries from technical and product teams with clear resolutions.
• Interface with global financial partners to manage incidents and drive timely resolutions.
• Validate the accuracy of Stripe's financial data through rigorous analysis with cross-functional teams.
• Identify process inefficiencies and lead automation initiatives to scale operations.
• Build and maintain high-quality SOPs, runbooks, and process documentation.

Skills

Advanced SQL

Payment flows

Incident management

Data analysis

Cross-functional collaboration

Automation

SOPs

Runbooks

English communication

Autonomy

Payments operations

Job description

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies from the world's largest enterprises to the most ambitious startups use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies from the world's largest enterprises to the most ambitious startups use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

About The Team

As Stripe's user base and global footprint grows dramatically, we face uniquely complex operational challenges at the intersection of payments infrastructure, financial data integrity, and global scale. The Stripe Delivery Center (SDC) provides operational leverage across Stripe's portfolio supporting external users and internal teams with precision and speed.

What you’ll do

As a Technical Operations Analyst on the Payments team, you will own the reliability and accuracy of some of the world's most critical payment flows, a platform processing hundreds of billions of dollars annually. You will sit at the intersection of engineering, finance, and operations: triaging live payment failures, driving reconciliation accuracy, and partnering with financial institutions globally to resolve issues fast.

This is not a passive monitoring role. You will be expected to independently own investigations end-to-end, identify systemic issues before they escalated, and drive process improvements that scale with Stripe's growth.

Responsibilities

• Own reconciliation and payments-related investigations, ensuring accurate ledgering of funds and resolving discrepancies with banking partners swiftly and precisely.
• Proactively monitor payment performance across users and payment methods; triage degradation alerts, diagnose root causes, and communicate findings clearly to technical and non-technical stakeholders.
• Serve as the escalation point for complex support inquiries from Technical Account Managers, Product Support, and internal Stripe teams providing fast, well-reasoned resolutions.
• Interface directly with Stripe's global financial partners (card networks, banks, payment processors) to manage operational incidents and drive resolution.
• Validate the accuracy of Stripe's financial data through rigorous analysis and cross-functional collaboration with finance and infrastructure engineering teams.
• Identify process inefficiencies and lead automation initiatives to reduce manual workload and improve operational throughput at scale.
• Build and maintain high-quality SOPs, runbooks, and process documentation to ensure institutional knowledge is captured and transferable.

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum Requirements

• 3-7 years of experience in a technical operations, payments operations, or financial technology role.
• Advanced SQL proficiency - you write complex queries (joins, window functions, aggregations) independently and use them as a primary tool for investigation and root cause analysis.
• Deep understanding of end-to-end payment flows - including authorization, clearing, settlement, reconciliation, and exception handling across multiple payment methods and geographies.
• Demonstrated experience investigating and resolving high-severity operational incidents in a payments or financial systems environment with minimal oversight.
• Strong experience working with large-scale financial datasets - validating accuracy, identifying anomalies, and reconciling discrepancies across systems.
• Proven ability to manage complex, cross-functional workflows - coordinating simultaneously with engineering, finance, banking partners, and business teams.
• Track record of identifying process gaps and driving automation or efficiency improvements that meaningfully reduced manual workload.
• Experience writing and maintaining SOPs, runbooks, and technical documentation to a high standard.
• Excellent written and verbal communication in English - able to translate complex technical issues into clear, concise updates for both technical and non-technical audiences.
• Comfortable operating with high autonomy in a fast-paced environment, managing competing priorities and time-sensitive deadlines without close supervision.

Preferred Qualifications

• Hands-on experience working directly with card networks, acquiring banks, or payment processors, including managing operational escalations and SLA-driven communications.
• Experience with payment cost optimization
• Deep understanding of end-to-end payment flows - including authorization, clearing, settlement, reconciliation, and exception handling across multiple payment methods and geographies.
• Familiarity with accounting and financial reconciliation principles
• Prior experience in a high-growth fintech or global payments company operating at significant transaction scale.
• Experience building or improving monitoring and alerting frameworks for payment systems.
• Practical history of developing AI-driven solutions designed to automate and optimize high-volume operational workflows.

In-office expectations

Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible.

Pay and benefits

Stripe does not yet include pay ranges in job postings in every country. Stripe strongly values pay transparency and is working toward pay transparency globally.

We look forward to hearing from you.

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions.

Join us.