Staging & Reconciliation Specialist

Location: Mumbai / Navi Mumbai
Experience: 2–5 Years
Employment Type: Full time
Shift: Rotational / Night Shift as per business requirement WFH in Night Shifts

Job Summary

We are looking for a Staging & Reconciliation Specialist with experience in payment processing and reconciliation. The candidate will be responsible for handling Visa, Mastercard, and RuPay staging, transaction reconciliation, settlement-related activities, and identifying transaction discrepancies.

Key Responsibilities
Manage daily Visa, Mastercard & RuPay staging activities.
Perform transaction-level reconciliation between internal systems, payment networks, and settlement files.
Handle UPI and other payment-network reconciliation as required.
Download, validate, and process network settlement/staging files.
Identify and investigate mismatches, exceptions, failed transactions, and settlement differences.
Prepare and process Journal Vouchers (JV) related to reconciliation and settlement.
Coordinate with Finance, Operations, Technology, and payment-network teams for issue resolution.
Maintain daily reconciliation reports and MIS.




Ensure all reconciliation activities are completed within defined TAT and SLA.
Track outstanding exceptions and ensure timely closure.
Support audit requirements and maintain proper documentation.

Required Skills
Robust knowledge of Visa, Mastercard & RuPay payment transactions.
Hands-on experience in staging and reconciliation.
Good understanding of settlement, chargebacks, reversals, refunds, and transaction life cycle.
Robust Excel skills — VLOOKUP/XLOOKUP, Pivot Tables, IF, SUMIFS, filters, data validation.
Good analytical and problem-solving skills.
Attention to detail and ability to work with large transaction datasets.
Ability to identify and resolve reconciliation breaks independently.

Preferred Experience

Candidates from Banks, Fintech, Payment Aggregators, Payment Networks, NBFCs, or Payment Processing companies with relevant reconciliation/staging experience will be preferred.

Pay: ₹9,257.43 - ₹60,000.00 per month

Benefits:
Health insurance
Provident Fund

Work Location: In person

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