Role Overview The Analyst – Financial Operations (FinOps) is responsible for the daily execution of transaction reconciliations, partner fund settlements, escrow monitoring, and operational reporting. Operating within the Engage business vertical, the role ensures full compliance with Reserve Bank of India (RBI) Prepaid Payment Instrument (PPI) regulations and standard operating procedures (SOPs). The incumbent will work closely with cross-functional teams (Tech, Product, Compliance, Finance) to maintain operational continuity, prevent financial losses due to manual errors, and uphold high standards of data governance. Key Responsibilities & Core DeliverablesA. Transaction Reconciliation & Fund Settlements

• Daily SLA Reconciliations: Complete daily transaction reconciliations within strict service level agreements (T+1 for PPI and gift card/loyalty transactions).
• Fund Settlements: Ensure 100% accurate and timely disbursement of fund settlements to merchants and partners in accordance with agreed cycles.
• Loss Prevention & Error Reduction: Diligently adhere to reconciliation SOPs to proactively detect variances and eliminate manual errors, avoiding financial loss.

B. Bank Statement Tagging, Reporting & Escrow Tracking

• Bank Statement Management: Perform daily tagging of bank account statements, identify unknown debit and credit entries, and achieve full closure of open items on a T+3 basis.
• Escrow Adequacy & Daily Tracking: Monitor daily fund movements, track daily variances, and prepare Escrow Adequacy reports.
• Stock Management Reporting: Ensure the Stock Management report is reconciled and updated daily on a T+1 basis.
• Documentation & Google Drive Updates: Ensure all daily reconciliation summaries, workbooks, and proof files are updated on schedule and archived systematically on Google Drive.

C. Stakeholder Coordination & Issue Resolution

• Merchant & Partner Support: Ensure all partner and merchant operational queries are reviewed and addressed within a 24-hour SLA.
• Cross-Department Collaboration: Partner effectively with Tech, Product, Finance, and Compliance teams to resolve operational roadblocks and incident queries raised via email/Slack.
• Issue Tracking & Escalation: Timely log banking portal issues, technical outages, or gateway discrepancies in tracker sheets and flag critical blockers to management.

D. Compliance, Refunds & Data Governance

• Regulatory Adherence: Maintain strict compliance with RBI guidelines governing PPI operations, escrow accounts, and payment settlements.
• Refund Processing: Execute customer and partner refund requests accurately within defined operational SLAs.
• Audit Readiness: Maintain clear audit trails and clean data records compliant with statutory financial reporting guidelines.

E. Continuous Improvement & Analytics

• Data Analysis: Review transaction datasets to detect recurring trends, anomalies, and reconciliation mismatches.
• Process Optimization: Participate in ideation and recommend small-scale automations and Excel improvements to streamline BAU operations.

QualificationsEducation & Experience

• Education: Bachelor's degree in Commerce, Accounting, Finance, Business Administration, or related quantitative field.
• Experience: 0 to 2 years of relevant experience in financial operations, payment reconciliations, settlements, or treasury operations (Fintech / Payment Gateway background preferred).

Technical & Functional Competencies

• Domain Knowledge: Understanding of payment gateways, PPI regulations, wallet operations, escrow mechanisms, and basic accounting principles (AR/AP).
• Spreadsheet Proficiency: Competence in Microsoft Excel / Google Sheets (VLOOKUP, XLOOKUP, Pivot Tables, SUMIFS, and data validation).
• Analytical Aptitude: Ability to handle large transaction datasets, identify discrepancies, and trace settlement variances.

Behavioral Competencies

• Accuracy & Attention to Detail: High diligence with numerical entries and strict adherence to process steps.
• Ownership & SLA Adherence: Strong sense of accountability toward daily deadlines and operational metrics.
• Team Player: Positive attitude, collaborative mindset, receptive to constructive feedback, and proactive in sharing knowledge.