Description
About the role
We are looking for a dynamic and execution-focused Lead – Operations to drive the core operational engine of our fintech business as we scale and pursue Payment Aggregator (PA) and Prepaid Payment Instruments (PPI). This is a high-impact leadership role where you will oversee a team of 5–6 professionals spanning Payment Operations, Merchant Operations, Customer Operations & Support (L2), Escrow & Banking Operations, and Business Operations Support. The ideal candidate combines deep fintech operations expertise with the ability to build scalable processes, manage cross-functional teams, and ensure seamless day-to-day operations in a rapid-moving startup environment.
What you'll do
Payment & Merchant Operations
- Oversee the payment processing lifecycle—transaction monitoring, settlements, reconciliation, refunds, chargebacks, and dispute resolution—ensuring accuracy and SLA adherence.

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- Manage the merchant onboarding process including due diligence, KYC/KYB checks, risk profiling, and activation, ensuring compliance with RBI PA guidelines.

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- Drive operational efficiency across payment flows by identifying bottlenecks, implementing process improvements, and leveraging automation wherever possible.

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- Maintain robust monitoring dashboards for transaction success rates, failure analysis, and settlement cycles; escalate anomalies proactively.

Escrow & Banking Operations
- Oversee the management of escrow accounts as mandated by RBI for PA operations, ensuring funds are held, reconciled, and released in strict compliance with regulatory timelines.

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- Manage relationships with nodal and escrow banks, coordinate for account setups, limit enhancements, and resolve banking escalations.

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- Ensure daily reconciliation of escrow positions, settlement payouts, and float management with zero tolerance for discrepancies.

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- Regulatory financial reporting

Customer Operations & Support
- Own the customer support function (L2 and above), estab

📌 Lead - Operations (Uttar Pradesh)
🏢 Qode
📍 Uttar Pradesh