Senior enterprise technology engineer

BP Business Solutions India Private Limited; Pune District; Hybrid; INR 4,000,000 - 8,000,000; Full time

Benefits offered by this job

Hybrid work model

Relocation assistance (within India)

Job summary

BP Business Solutions India Private Limited is seeking a senior leader to oversee Retail Payments Operations, ensuring reliability, security, and scalability of payment systems across in-store and digital channels.

The role leads Payments Administrators, partners with Technology, Finance and Risk, and drives incident response and continuous improvement to optimize settlement, reconciliation, and fraud controls.

Qualifications

• 7+ years of experience in payments operations, retail technology, finance operations, or related fields.
• 3+ years of experience leading or managing teams.
• Deep understanding of: Card payment lifecycle (authorization → settlement → funding).
• Retail POS environments, payment processor operations and reporting.
• Strong ability to analyze settlement files, processor reports, and transaction data; drive improvements.

Responsibilities

• Lead payments operations for the retail payments ecosystem.
• Oversee card authorization, processing, settlement, and reconciliation.
• Manage fraud, chargebacks, and risk monitoring.
• Lead vendor and processor relationships and SLAs.
• Provide executive level reporting and insights.
• Develop and coach Payments Administrators.

Skills

Payments operations

Retail technology

Finance operations

Team leadership

Card payment lifecycle

Retail POS environments

Fraud monitoring

Data analysis

Job description

Entity:

Technology

Job Family Group:

IT&S Group

Job Description:

Role Overview

The Retail Payments Operations is responsible for the overall operational performance, stability, and integrity of retail payment systems across in store and digital channels. This role owns payments issue management, settlement accuracy, fraud operations, and vendor performance, while leading and developing a team of Payments Administrators.

This position serves as the senior operational authority for payments, partnering closely with Technology, Finance, Risk, Store Operations, and external payment providers to ensure payment systems are reliable, secure, and scalable.

Key Responsibilities

Payments Operations Leadership

Be responsible for the day to day health of the retail payments ecosystem, including:

Card authorization and processing, POS and gateway connectivity

Settlement, funding, and reconciliation, Act as the final customer concern point for high severity payment incidents, Establishes operational standards, partner concern paths, and response playbooks, Lead post incident reviews and drive corrective and preventive actions, Team Leadership & Development, Handle, coach, and develop a team of Payments Administrators.

Set performance expectations and benchmarks for:

Incident resolution , Settlement accuracy, Fraud and chargeback handling

Ensure appropriate coverage for business critical periods (e.g., peak retail hours), Build payments operations expertise and resiliency within the team

Settlement, Reconciliation & Financial Governance

Own end to end settlement accuracy across all payment tenders

Ensure strong controls around:

Daily settlement and funding validation, Discrepancy investigation and resolution, Month end and quarter end close activities, Partner with Finance and Accounting to support audits, reconciliations, and SOX controls, find opportunities to automate reconciliation and improve data quality.

Fraud, Chargebacks & Risk Management, b e responsible for fraud monitoring and operational response processes,

Own chargeback performance, including:

Trend analysis, Root cause identification, Processor and fraud vendor coordination, Partner with Risk and Compliance teams to:

Tune fraud rules, Reduce losses and false positives, Support PCIDSS and regulatory requirements

Vendor & Processor Management

Serve as the primary operational relationship owner for:

Payment processors, Acquirers, Gateways, Fraud and risk vendors

Handle:

SLA performance, Incident communications, Critical issues and service reviews

Support contract renewals, vendor evaluations, and processor changes

Coordinate operational readiness for new payment methods or platform changes, Strategy, Reporting & Continuous Improvement

Define and track payments operations benchmarks, including:

Incident volume and MTTR, Settlement accuracy, Fraud and chargeback rates

Deliver executive level reporting and insights

Find opportunities to:

Improve operational efficiency, Reduce cost and risk, Increase payment reliability and customer experience, Partner with Technology and Product teams on roadmap initiatives impacting payments

Supported Payment Channels

In store POS payments (EMV, contactless, magstripe), Credit and debit cards

Digital wallets (Apple Pay, Google Pay), Gift cards and store value products

ecommerce and mobile payments (if applicable)

Required Qualifications

Experience & Expertise

7+ years of experience in payments operations, retail technology, finance operations, or related fields

3+ years of experience leading or managing teams

Deep understanding of:

Card payment lifecycle (authorization → settlement → funding)

Retail POS environments

Payment processor operations and reporting

Tried experience managing high impact payment incidents in a retail environment

Technical & Analytical Skills

Strong ability to analyze settlement files, processor reports, and transaction data. Experience driving operational improvements and automation. Comfortable working across multiple payment platforms and systems. Risk, Compliance & Financial Controls

Risk, Compliance & Financial Controls

Strong solid understanding of:

PCI DSS requirements, Chargeback and dispute processes, Fraud monitoring and mitigation, SOX and audit controls related to payments

Leadership & Communication Skills

Strong people l eadership and coaching skills, Clear, executive ready communication during incidents and reviews, Ability to influence across Technology, Finance, Risk, and Store Operations, Calm, conclusive leadership during payment outages or business critical events

Preferred Qualifications

Experience in multi store , high transaction volume retail

Omnichannel payments experience (in store + digital)

Experience leading processor migrations or new tender launches

Familiarity with major processors (e.g., Fiserv, FIS, Worldpay, Adyen, Stripe, etc.)

Success Measures

High availability and reliability of payment systems

Accurate and timely settlement with minimal discrepancies

Improved fraud and chargeback performance

Reduced incident recurrence and faster resolution times

Strong vendor performance and SLA adherence

High team engagement and capability growth

What we offer:

It’s crucial to us that the differences we see in the world around us are reflected in our workplace. Who you are is what counts, not where you’re from or how you live your life. At bp, we support our people to learn and grow in a diverse and challenging environment. We believe that our team is strengthened by diversity. We are committed to fostering an inclusive environment in which everyone is respected and treated fairly.

About bp

Our purpose is to deliver energy to the world, today and tomorrow. For over 100 years, bp has focused on discovering, developing, and producing oil and gas in the nations where we operate . We are one of the few companies globally that can provide governments and customers with an integrated energy offering. Delivering our strategy sustainably is fundamental to achieving our ambition to be a net zero company by 2050 or sooner!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

Additional Information

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.

Even though the job is advertised as full time, please contact the hiring manager or the recruiter as flexible working arrangements may be considered.

What you can expect from us!

Our commitment to diversity, equity and inclusion:

At bp, you could be part of Business Resource Groups (BRGs) which belief in the power of inclusion, deeper connections, and shared experiences. They provide a place for employees to learn and share knowledge, to connect, and to improve. The BRGs focus on and encourage talent engagement, development, and retention while creating a broadened sense of community and inclusion for bp employees. The groups cultivate leadership growth by involving employees in developmental opportunities they would not otherwise have access to. Formal and informal mentoring also helps employees develop their professional goals and connect with colleagues. The BRGs’ dedication to growth at all levels helps employees feel more engaged and energized. The BRGs break down barriers, so we can all do better together. Examples of BRGs include (but are not limited to):

bpWIN (bp Women’s International Network) Pride Working parents PEN (Positively Ethnic Network) bpInclusia (bp’s Asian community) bpEnergía (bp’s Latin community)

Travel Requirement

Up to 10% travel should be expected with this role

Relocation Assistance:

This role is eligible for relocation within country

Remote Type:

This position is a hybrid of office/remote working

Skills:

Legal Disclaimer:

We are an equal opportunity employer. We do not discriminate on the basis of protected characteristics like race, religion, color, sex, national origin, sexual orientation, veteran status or disability status.Individuals with an accessibility need may request an adjustment/accommodation related to bp’s recruiting process (e.g., accessing the job application, completing required assessments, participating in telephone screenings or interviews, etc.). If you would like to request an adjustment/accommodation related to the recruitment process,please contact us .

If you are selected for a position and depending upon your role, your employment may be contingent upon adherence to local policy. This may include pre-placement drug screening, medical review of physical fitness for the role, and background checks.