Company Overview
Pay10 is transforming the way businesses and individuals engage with digital payments. As a rapidly growing fintech company, we're building seamless, secure, and scalable solutions that power global commerce. Our mission is to simplify payments through innovation and technology, helping our partners and users transact with confidence across borders. At Pay10, you'll be part of a collaborative and ambitious team driving meaningful impact in the future of finance.
Role Overview
The Operational Specialist-FinOps professional will be responsible for managing financial operations, ensuring accuracy in financial reporting, optimizing costs, strengthening controls, and enabling data-driven decision-making. This role plays a critical part in scaling financial processes, maintaining compliance, and supporting sustainable growth.
Key Responsibilities
1. Financial Operations Management
- Oversee day-to-day financial transactions (AP/AR, reconciliations, settlements).
- Manage payment reconciliations across banking and payment platforms.
- Ensure timely and accurate monthly, quarterly, and annual closing processes.
2. Reconciliation & Controls
- Perform daily reconciliation of transactions, merchant settlements, and gateway reports.
- Identify discrepancies and resolve settlement mismatches.
- Establish and improve internal financial controls.
3. Regulatory & Compliance Support
- Ensure adherence to financial regulations and reporting standards.
- Support audits (internal and external).
- Maintain documentation aligned with FinTech compliance standards.
4. Financial Reporting & Analysis
- Prepare MIS reports, dashboards, and performance metrics.
- Monitor revenue streams, transaction fees, chargebacks, and operational costs.
- Conduct variance analysis and provide actionable insights.
5. Process Optimization
- Automate financial workflows and reconciliation processes.
- Collaborate with product and tech teams to improve financial data pipelines.
- Implement scalable financial systems and tools.
6. Treasury & Cash Flow Management
- Monitor cash flow, liquidity, and working capital.
- Manage relationships with banking partners.
- Forecast short-term and long-term cash requirements.
Required Qualifications
- Bachelor's degree in finance, Accounting, Economics, or related field (CA/CMA/CPA preferred).
- 3-8 years of experience in financial operations, preferably in FinTech, payments, or banking.
- Strong understanding of payment ecosystems, settlement cycles, and reconciliation processes.
- Experience working with payment gateways and digital banking systems.
- Proficiency in Excel and financial tools (ERP systems like SAP or Oracle is a plus).
- Strong analytical and problem-solving skills.
Preferred Skills
- Experience in high-volume transaction environments.
- Knowledge of AML/KYC processes.
- Familiarity with financial reporting standards (IFRS/GAAP).
- SQL or data analytics experience is a plus.
- Strong stakeholder management and communication skills.
Key Competencies
- Attention to detail
- Process-oriented mindset
- Risk awareness
- Cross-functional collaboration
- Data-driven decision-making
