Payments & Settlement Analyst

Inhabit Iq; Alpharetta (GA); On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Health Insurance

401(k) Plan with discretionary company match

Paid Vacation

Employee Assistance Program

Job summary

Inhabit Iq in Alpharetta, GA is seeking a Payments & Settlement Analyst to oversee transaction reconciliation for their Daily Reconciliation & Settlement Platform. This integral role partners closely with Product and Engineering teams to implement AI-enabled processes and ensures accuracy and compliance in all financial transactions.

The ideal candidate should have over 5 years of experience in payments operations, possess strong SQL skills, and contribute to continuous improvement through data-driven analytics and automation. The position supports flexible in-office and remote work options.

Qualifications

• 5+ years of experience in payments operations, reconciliation, or settlement within FinTech.
• Strong knowledge of card, ACH, and banking ecosystems.
• Experience with modern data ingestion and transformation.

Responsibilities

• Oversee daily reconciliation processes including ingestion, normalization, and settlement file creation.
• Design monitoring systems for reconciliation.
• Ensure strong financial controls and audit readiness.

Skills

Payments operations expertise

SQL proficiency

Reconciliation expertise

AI-driven automation experience

Team leadership

Education

Bachelor's degree in Finance or related field

Job description

Job Details

Job Location: North Atlanta - Alpharetta, GA 30009

About Inhabit

Inhabit operates a unique collective of tech-forward companies serving the residential, commercial, and short-term rental industries. Our team members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. Inhabit believes that property managers are central to the success of the residential and short-term rental markets and delivers products built to empower them, their investors, and communities.

Job Description

We are seeking an experienced Payments & Settlement Analyst to own and manage the end-to-end lifecycle of transaction reconciliation and settlements for our Daily Reconciliation & Settlement Platform. This role is responsible for ensuring precise, auditable settlement outcomes across our Programs and For-Benefit-Of (FBO) accounts while partnering closely with Product, Engineering, Finance, and Operations to build scalable, data-driven infrastructure.

This role will play a critical part in designing and operating AI-enabled reconciliation and settlement workflows, transforming historically manual and reactive processes into intelligent, automated, and observable systems. The Payments & Settlement Lead will define and codify reconciliation logic, exception handling, and settlement rules, and provide operational oversight of AI‑assisted agents and automation, ensuring accuracy, explainability, and strong financial controls.

The ideal candidate brings deep payments domain expertise combined with strong data and systems fluency. They are comfortable operating and governing automated workflows in production environments, establishing human-in-the-loop controls, monitoring performance, and continuously improving outcomes as transaction volumes and business complexity grow.

What You’ll Do (Functions & Responsibilities)

• Oversee daily reconciliation processes including ingestion, normalization, matching, exception handling, and settlement file creation.
• Maintain and enhance canonical ledgers with strong auditability and control frameworks.
• Define and manage exception frameworks, including detection logic, ownership, and SLAs.
• Design and operate monitoring, alerts, and dashboards for reconciliation systems.
• Partner with Engineering to translate business and financial requirements into technical designs.
• Lead development and oversight of AI‑driven reconciliation agents and workflows.
• Drive continuous improvement through automation and root‑cause analysis.
• Ensure strong financial controls, data lineage, and audit readiness.
• Partner with Finance and FP&A to support settlement cadence and month‑end close.

Qualifications (Minimum qualifications)

• 5+ years of experience in payments operations, reconciliation, or settlement within FinTech or financial services.
• Strong reconciliation and ledger expertise across card, ACH, and banking ecosystems.
• Strong SQL skills and experience with modern data ingestion and transformation pipelines.
• Experience designing or operating AI‑driven or rules‑based automation in financial workflows.
• Ability to monitor and tune automated systems in production environments.
• Familiarity with operational monitoring, controls, auditability, and data lineage.
• Comfort partnering with engineering, data, and product teams.
• Understanding of AI governance, risk, and explainability requirements.
• Experience leading teams and overseeing human + AI workflows.
• Experience working in FinTech industry is preferred.

Education Requirements

Bachelor’s degree in Finance, Accounting, Computer Science, Business, or related field.

Type

Full‑time, Salaried position.

Location

Alpharetta, GA. We have an in‑office work style, with most team members working in the office from Monday to Thursday and remotely on Friday.

Benefits

• Competitive Pay
• Health Insurance: Medical, Dental, Vision, and Prescription Plans
• Health Savings Accounts
• Flexible Spending Account
• Dependent Flexible Spending Account
• Critical Illness
• Accident
• 401(k) Plan with discretionary company match
• Short‑ and Long‑Term Disability
• Company Paid $25,000 life insurance
• Supplemental Life and AD&D Insurance
• Employee Assistance Program
• Paid Holidays
• Paid Vacation
• Paid Volunteer Time
• Inhabit Employee Discount Programs

Our Company is an Equal Opportunity Employer and complies with all federal, state, and local laws, including providing reasonable accommodations to applicants.