Position Overview
We are seeking a highly analytical and data-drivenPayment Reconciliation Specialist / Analystto oversee our end-to-end financial reconciliation processes. In this role, you will be responsible for managing high-volume transaction datasets, tracking payment lifecycles, and ensuring absolute financial accuracy across internal systems, payment gateways, and banking partners.
The ideal candidate bridges the gap between finance and technology—possessing robust core accounting fundamentals alongside advanced technical skills inSQLandPythonto drive automation, eliminate manual workflows, and optimize payment processing costs.

Key Responsibilities

1. Core Payment & Financial Reconciliation
End-to-End Auditing:Validate transaction records across internal systems, payment gateways (PGs), banking partners, settlement files, and merchantreports.
High-VolumeData Analysis:Analyze massive transaction datasets to promptly identify mismatches, pending settlements, duplicate transactions, and financialexceptions.
ChargebackManagement:Monitor disputed transactions, track the complete chargeback lifecycle, validate reversal entries, and ensure accurate accounting adjustments/recovery.
Finance& Accounting Support:Validate transaction postings, track pending receivables, manage refund accounting, handle merchant payout reconciliation, and assist with balance sheet reconciliation.

2. Cost Optimization & Reporting
PG Cost Analysis:Monitor and analyze Payment Gateway costs (MDR charges, transaction processing fees, bank charges, gateway settlement fees) to identify cost-optimizationopportunities.
MIS& Dashboards:Prepare daily, weekly, and monthly MIS reports and design reconciliation dashboards for leadership, finance, and operations teams to support audit readiness.

3. Data Engineering & Process Automation
SQL Data Extraction:Write complex SQL queries for reconciliation checks, exception reporting, and data validation across large transactionaldatabases.




PythonAutomation:Utilize Python for data processing, large-scale data analysis, report generation, and data cleansing to significantly reduce manual operationaleffort.
ContinuousImprovement:Lead automation initiatives to improve reconciliation turnaround times, strengthen internal financial controls, and minimize operational risk.

4. Stakeholder & Compliance Management
Vendor Collaboration:Partner with banks, payment gateways, and internal cross-functional teams to resolve operational issues and improve overall paymentefficiency.
Audit& Compliance:Ensure strict adherence to internal financial controls, accounting standards, audit requirements, and operational risk management policies.

Required Skills & Qualifications

Education:Bachelor's degree in Finance, Accounting, Commerce, Data Analytics, Computer Science, or a related quantitativefield.
Experience:3–6 years of experience in payment reconciliation, fintech operations, payment gateway systems, or financial dataanalysis.
TechnicalSkills :Advanced SQL:Proven ability to query, join, and analyze complex relationaldatabases.
Python:Proficiency in writing scripts for data cleansing, manipulation (e.g., Pandas, NumPy), and processautomation.
Excel:Advanced knowledge of pivot tables, VLOOKUPs/XLOOKUPs, and complexformulas.
DomainKnowledge:Deep understanding of the payment ecosystem (MDR, settlement cycles, chargebacks, merchant payouts, and banking APIs).
Analytical Mindset:Exceptional problem-solving skills with an eagle-eye attention to detail.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

📌 Reconciliation Specialist (Noida)
🏢 Paytm
📍 Noida