Company: Blessing Softtech Pvt. Ltd.

Product: Fonazo – AI-Powered Voice Agent & Subscription Platform

Job Title: FinOps Engineer

Experience: 4+ Years

Qualification: Bachelor's/Master's Degree in Finance, FinTech, Commerce, Accounting, or a related field

Location: Pune

Work Mode: Work from Office

Joining: Immediate joiners preferred

Salary: As per experience and industry standards

Job Summary

Blessing Softtech Pvt. Ltd. is looking for an experienced FinOps Engineer with a strong background in Finance, FinTech, subscription billing, and payment gateway management to run financial operations for clients using Fonazo, our AI-powered voice agent and subscription platform.

The ideal candidate has 4+ years of hands-on experience with subscription billing, payment processing, reconciliation, settlements, refunds, chargebacks, and gateway integrations, and knows providers such as Razorpay, Stripe, PayPal, Adyen, Braintree, Checkout.com, Worldpay (FIS Global), 2Checkout (Verifone), Square, Payoneer, and Amazon Pay.

The role covers end-to-end financial operations for multiple clients with full financial transparency across the Fonazo platform.

Key Responsibilities

- Subscription Billing & Revenue Management
- Manage end-to-end billing for Fonazo clients: recurring payments, plans, renewals, upgrades, downgrades, and cancellations.
- Monitor revenue, billing cycles, failed payments, pending invoices, and receivables; track MRR, ARR, CLV, churn, and subscription growth.
- Ensure accurate calculation of charges, prorated billing, discounts, promotions, taxes, and fees; identify billing discrepancies and revenue leakage, find root causes, and implement fixes.
- Work with product and development teams to automate billing workflows.
- Payment Gateway Management & Integration
- Manage operations across the gateways listed above and other providers: settings, transaction workflows, settlement schedules, payment methods, and recurring billing.
- Track payment success rates, declines, gateway fees, transaction costs, refunds, and settlement discrepancies across providers.
- Work with technical teams to troubleshoot integration issues, API billing errors, webhook failures, and transaction status mismatches.
- Evaluate gateway performance, pricing, currencies, coverage, and settlement timelines to recommend solutions for clients.
- Reconcile gateway records with Fonazo subscription records, invoices, and bank settlements.
- Financial Reconciliation & Settlement Management
- Perform daily, weekly, and monthly reconciliation of gateway transactions, invoices, customer payments, refunds, and bank settlements, verifying gross values, fees, commissions, taxes, net settlements, and pending or disputed transactions.
- Investigate and resolve discrepancies across gateways, billing systems, accounting records, and bank statements; monitor settlement delays, failed payouts, duplicate transactions, reversals, and unaccounted entries.
- Maintain accurate ledgers, transaction registers, settlement reports, and audit documentation; coordinate with Accounts and Finance on recording revenue, receivables, gateway charges, and settlements.
- Client Financial Operations & Account Management
- Manage subscription finance for multiple Fonazo clients: billing, collection, revenue reporting, and account-level records, including each client's plans, active subscriptions, transaction history, invoices, balances, refunds, and payment status.




- Prepare client-wise statements covering revenue, collections, failed payments, refunds, gateway charges, and net settlements.
- Resolve client billing disputes, payment failures, invoice discrepancies, refund requests, and settlement queries; communicate promptly on failed payments, pending dues, and billing changes.
- Maintain clear records of client transactions, payment histories, and subscription changes.
- Refunds, Chargebacks & Dispute Management
- Manage refunds, chargebacks, reversals, and disputed transactions per company policy and gateway requirements; investigate disputes, gather evidence, and coordinate with providers for timely resolution.
- Monitor chargeback ratios, refund trends, and fraud indicators.
- Define procedures for refund approvals, verification, dispute escalation, and adjustments.
- Work with support and technical teams to identify dispute causes and prevent recurrence; document all refunds, chargebacks, disputes, and outcomes.
- Financial Reporting, MIS & Analytics
- Prepare daily, weekly, and monthly MIS reports on revenue, collections, transaction volumes, failed payments, refunds, and settlements; build dashboards tracking MRR, ARR, churn, renewals, payment success, receivables, and leakage.
- Analyze gateway fees, subscription performance, client profitability, transaction costs, and revenue trends; prepare client-wise and gateway-wise reports for management and business reviews.
- Identify irregularities, recurring billing issues, and inefficiencies through data analysis, using Excel, SQL, Power BI, or similar tools to automate reporting.
- Financial Controls, Compliance & Risk Management
- Establish internal controls for billing, refunds, settlements, revenue recognition, and adjustments.
- Ensure compliance with applicable accounting standards, tax rules, provider policies, regulatory obligations, and data protection and payment requirements across relevant markets.
- Maintain audit trails, approval workflows, and supporting documents for audits.
- Coordinate with finance, compliance, and technical teams on PCI DSS and secure payment handling; monitor suspicious transactions, duplicate charges, unauthorized refunds, and fraud indicators.
- Product & Technical Team Coordination
- Work with product, backend, QA, and DevOps teams to improve Fonazo's billing and payment modules.
- Translate financial requirements into functional specs for plans, billing logic, invoices, retries, refunds, and settlement workflows.
- Validate gateway integrations, lifecycle events, billing calculations, and reconciliation during releases; coordinate testing of payment APIs, webhooks, recurring billing, failed-payment recovery, and refund workflows.
- Identify automation opportunities to reduce manual reconciliation and streamline onboarding; help build scalable workflows for growing volumes and multiple client accounts.
- Subscription Performance & Payment Optimization
- Analyze failed and declined transactions to identify causes and recommend corrective actions.
- Run dunning, automated retries, renewal reminders,



and failed-payment recovery.
- Evaluate gateway performance to improve approval rates and reduce processing costs; monitor cancellations, involuntary churn, payment-related drop-offs, and recurring billing issues.
- Recommend improvements to pricing, billing frequency, payment methods, and collection workflows; partner with product and customer success teams to improve renewals, payment experience, and revenue retention.
- Accounting, Budgeting & Financial Planning
- Support revenue forecasting, cash flow planning, budgeting, and management reports for Fonazo operations.
- Maintain accurate records of receivables, deferred revenue where applicable, gateway fees, refunds, and related entries.
- Coordinate with accounting on monthly closing, reconciliation, financial statements, and audits.
- Analyze client-wise revenue, operating costs, processing charges, and contribution margins; recommend improvements to strengthen controls, reduce costs, and improve cash flow visibility.

Required Technical & Functional Skills
- Solid understanding of subscription billing, recurring payments, payment processing, revenue reconciliation, and financial operations; hands-on experience with one or more of the gateways listed above.
- Knowledge of subscription lifecycle management, invoicing, retries, refunds, chargebacks, and settlement reconciliation.
- Understanding of financial reporting, revenue recognition, accounts receivable, gateway fees, and cash flow management.
- Proficiency in Excel (PivotTables, lookups, financial reporting) and MIS dashboards/Power BI or Tableau; working knowledge of SQL preferred.
- Advantageous: understanding of gateway APIs, webhooks, and reconciliation workflows; familiarity with accounting/ERP and automated billing platforms; knowledge of international payments, multi-currency, cross-border settlements, and applicable tax treatment.

Educational Qualifications

- Bachelor's degree in Finance, FinTech, Commerce, Accounting, Business Administration, or related discipline (required); Master's in Finance, FinTech, Accounting, or Business Administration (preferred).
- Certifications in FinTech, payment systems, financial analysis, accounting, or financial operations are an added advantage.

Experience Requirements

- Minimum 4+ years in FinOps, subscription finance, payment operations, billing and reconciliation, or FinTech financial operations, with proven hands-on gateway and recurring-payment experience.
- Experience managing financial operations for multiple clients or subscription products, handling reconciliation, failed payments, refunds, chargebacks, settlement reports, and revenue tracking.
- Experience with SaaS, AI, voice-agent, or other recurring-revenue models is highly desirable, as is collaboration with finance, product, engineering, and support teams on complex payment issues.

Key Performance Indicators (KPIs)

- Accuracy and timeliness of billing, reconciliation, client-wise revenue records, and MIS reports/dashboards.
- Reduction in unresolved settlement discrepancies, unaccounted transactions, gateway costs, and preventable revenue leakage.
- Payment success rate and failed-payment recovery; timeliness of collections, refunds, and dispute resolution.
- Effectiveness of billing automation and process improvements; compliance with internal controls and audit requirements.

- • Quality of coordination with clients, finance, and technical teams.

📌 FinOps Engineer (Pune)
🏢 Fonazo
📍 Pune