Payments Analyst

Monograph; Bengaluru; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Stripe is seeking a Technical Operations Analyst for the Payments team in Bengaluru. You will own the reliability and accuracy of critical payment flows, triaging failures, driving reconciliation, and partnering with banks to resolve issues quickly.

This role demands independent end-to-end investigations and process improvements to scale with Stripe's growth. You will communicate complex findings to both technical and non-technical stakeholders, monitor performance across payment methods, and

Qualifications

• Advanced SQL proficiency with complex queries for investigations and root cause analysis.
• Deep understanding of end-to-end payment flows including authorization, clearing, settlement, reconciliation, and exceptions.
• Experience handling large-scale financial datasets to validate accuracy and reconcile discrepancies.
• Experience managing cross-functional workflows across engineering, finance, banking partners, and business teams.
• Experience writing and maintaining SOPs, runbooks, and technical documentation.
• Excellent written and verbal English communication for technical and non-technical audiences.
• Ability to work autonomously in a fast-paced environment with competing priorities.

Responsibilities

• Own reconciliation and payments-related investigations, ensuring accurate ledgering and swift issue resolution with banking partners.
• Monitor payment performance across users and methods; triage alerts and diagnose root causes.
• Escalate complex inquiries to Technical Account Managers, Product Support, and Stripe teams with clear resolutions.
• Interface with global financial partners to manage incidents and drive resolution.
• Validate Stripe's financial data through rigorous analysis and cross-functional collaboration.
• Identify process inefficiencies and lead automation initiatives to reduce manual workload.
• Develop and maintain high-quality SOPs and runbooks for institutional knowledge transfer.

Skills

SQL proficiency

Payments operations

Data validation

Cross-functional coordination

SOP documentation

English communication

Autonomy

Job description

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 escape, 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.

Company

Stripe

Team

Operations

Office location

Bengaluru

Employment type

Full time