FinOps Engineer

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 solid background in Finance, FinTech, subscription billing, and payment gateway management to manage the financial operations of our clients using Fonazo, our AI-powered voice agent and subscription platform.

The ideal candidate will have at least 4 years of hands-on experience managing subscription-based revenue models, recurring billing, payment processing, financial reconciliation, transaction settlements, refunds, chargebacks, and payment gateway integrations. The candidate should be familiar with payment service providers such as Razorpay, Stripe, PayPal, Adyen, Braintree, Checkout.com, Worldpay, 2Checkout (Verifone), Square, Payoneer, Amazon Pay, and similar platforms.

The role involves overseeing end-to-end financial operations for multiple clients, ensuring accurate subscription revenue tracking, monitoring payment performance, resolving billing discrepancies, and maintaining financial transparency across the Fonazo platform.

Key Responsibilities

1. Subscription Billing & Revenue Management

- Manage end-to-end subscription billing operations for Fonazo clients, including recurring payments, subscription plans, renewals, upgrades, downgrades, cancellations, and plan changes.
- Monitor subscription revenue, billing cycles, failed payments, pending invoices, and outstanding receivables to ensure accurate and timely revenue collection.
- Establish and maintain processes for tracking Monthly Recurring Revenue (MRR), Annual Recurring Revenue (ARR), customer lifetime value (CLV), churn, and subscription growth.
- Ensure accurate calculation of subscription charges, prorated billing, discounts, promotional offers, taxes, and other applicable fees.
- Identify billing discrepancies and revenue leakage, investigate root causes, and implement corrective measures.
- Coordinate with the product and development teams to improve billing workflows and automate subscription-related financial processes.

2. Payment Gateway Management & Integration

- Manage financial operations across payment gateways and subscription payment platforms, including Razorpay, Stripe, PayPal, Adyen, Braintree, Checkout.com, Worldpay (FIS Global), 2Checkout (Verifone), Square, Payoneer, Amazon Pay, and other relevant providers.
- Configure and monitor payment gateway settings, transaction workflows, settlement schedules, payment methods, and recurring billing arrangements.
- Track payment success rates, declined transactions, gateway fees, transaction costs, refunds, and settlement discrepancies across providers.
- Coordinate with technical teams to troubleshoot payment gateway integration issues, API-related billing errors, webhook failures, and transaction status mismatches.
- Evaluate payment gateway performance, pricing structures, supported currencies, geographical coverage, and settlement timelines to recommend suitable solutions for clients.
- Ensure proper reconciliation between gateway transaction records, Fonazo subscription records, invoices, and bank settlements.

3. Financial Reconciliation & Settlement Management

- Perform daily, weekly, and monthly reconciliation of payment gateway transactions, subscription invoices, customer payments, refunds, and bank settlements.
- Verify gross transaction values, processing fees, commissions, taxes, net settlements, and pending or disputed transactions.
- Investigate and resolve discrepancies between payment gateways, internal billing systems, accounting records, and bank statements.
- Monitor settlement delays, failed payouts, duplicate transactions, payment reversals, and unaccounted financial entries.
- Maintain accurate financial ledgers, transaction registers, settlement reports, and supporting documentation for audit and accounting purposes.
- Coordinate with the Accounts and Finance team to ensure proper recording of revenue, receivables, gateway charges, and settlement entries.

4. Client Financial Operations & Account Management

- Manage subscription-related financial operations for multiple Fonazo clients, ensuring accurate billing, payment collection, revenue reporting, and account-level financial records.
- Monitor each client's subscription plans, active subscriptions, transaction history, invoices, outstanding balances, refunds,



and payment status.
- Prepare client-wise financial statements and reports covering subscription revenue, collections, failed payments, refunds, gateway charges, and net settlements.
- Coordinate with clients to resolve billing disputes, payment failures, invoice discrepancies, refund requests, and settlement-related queries.
- Maintain clear records of client transactions, payment histories, subscription changes, and financial adjustments.
- Ensure timely communication with clients regarding failed payments, pending dues, billing changes, and other subscription-related financial matters.

5. Refunds, Chargebacks & Dispute Management

- Manage refund requests, chargebacks, payment reversals, and disputed transactions in accordance with company policies and payment gateway requirements.
- Investigate transaction disputes, collect supporting evidence, and coordinate with payment service providers to facilitate timely resolution.
- Monitor chargeback ratios, refund trends, fraudulent transaction indicators, and recurring payment failures.
- Establish procedures for refund approvals, transaction verification, dispute escalation, and financial adjustment entries.
- Work with customer support and technical teams to identify the causes of payment disputes and prevent recurring issues.
- Maintain complete documentation of refunds, chargebacks, disputes, and their final outcomes.

6. Financial Reporting, MIS & Analytics

- Prepare daily, weekly, and monthly MIS reports covering subscription revenue, payment collections, transaction volumes, failed payments, refunds, and gateway settlements.
- Develop dashboards to track MRR, ARR, churn rate, renewal rates, payment success rates, outstanding receivables, and revenue leakage.
- Analyze payment gateway fees, subscription performance, client profitability, transaction costs, and revenue trends to support management decisions.
- Prepare client-wise and gateway-wise financial performance reports for internal management and business reviews.
- Identify financial irregularities, recurring billing issues, and operational inefficiencies through data analysis.
- Use Excel, SQL, Power BI, or similar reporting tools to automate financial reports and improve data accuracy.

7. Financial Controls, Compliance & Risk Management

- Establish internal controls for subscription billing, refunds, payment settlements, revenue recognition, and financial adjustments.
- Ensure that financial operations follow applicable accounting standards, tax requirements, payment provider policies, and relevant regulatory obligations.
- Maintain appropriate transaction records, audit trails, approval workflows, and supporting documents for financial reviews and audits.
- Coordinate with internal finance, compliance, and technical teams to support applicable PCI DSS requirements and secure payment-handling practices.
- Monitor suspicious transactions, duplicate charges, unauthorized refunds, and potential payment fraud indicators.
- Support compliance with applicable data protection, customer billing, and payment-related requirements across relevant markets.

8. Product & Technical Team Coordination

- Work closely with product managers, backend developers, QA engineers, and DevOps teams to improve Fonazo's subscription billing and payment management modules.
- Translate financial requirements into clear functional specifications for subscription plans, billing logic, invoices, payment retries, refunds, and settlement workflows.
- Validate payment gateway integrations, subscription lifecycle events, billing calculations, and transaction reconciliation during product releases.
- Coordinate testing of payment APIs, webhook events, recurring billing scenarios, failed payment recovery, and refund workflows.
- Identify automation opportunities to reduce manual reconciliation, improve financial accuracy, and streamline client onboarding.
- Contribute to the development of scalable financial workflows that support increasing subscription volumes and multiple client accounts.

9. Subscription Performance & Payment Optimization

- Analyze failed and declined transactions to identify the reasons for payment failures and recommend appropriate corrective actions.
- Implement and monitor dunning processes, automated payment retries, renewal reminders, and failed-payment recovery workflows.




- Evaluate payment gateway performance to improve transaction approval rates and reduce unnecessary processing costs.
- Monitor subscription cancellations, involuntary churn, payment-related customer drop-offs, and recurring billing issues.
- Recommend improvements to subscription pricing, billing frequency, payment methods, and collection workflows based on financial data.
- Work with product and customer success teams to improve renewal rates, customer payment experience, and subscription revenue retention.

10. Accounting, Budgeting & Financial Planning

- Support subscription revenue forecasting, cash flow planning, payment collection projections, and financial budgeting for Fonazo operations.
- Maintain accurate records of accounts receivable, deferred revenue where applicable, payment gateway fees, refunds, and other subscription-related financial entries.
- Coordinate with the accounting team on monthly closing, revenue reconciliation, financial statements, and audit requirements.
- Analyze client-wise revenue, platform operating costs, payment processing charges, and contribution margins.
- Support the preparation of financial forecasts and management reports for business planning and operational decision-making.
- Recommend process improvements to strengthen financial controls, reduce operating costs, and improve cash flow visibility.

Required Technical & Functional Skills

- Strong understanding of subscription billing, recurring payments, payment processing, revenue reconciliation, and financial operations.
- Hands-on experience with one or more payment gateways such as Razorpay, Stripe, PayPal, Adyen, Braintree, Checkout.com, Worldpay, 2Checkout, Square, Payoneer, or Amazon Pay.
- Knowledge of subscription lifecycle management, recurring billing, invoicing, payment retries, refunds, chargebacks, and settlement reconciliation.
- Understanding of financial reporting, revenue recognition, accounts receivable, payment gateway fees, and cash flow management.
- Proficiency in Microsoft Excel, including PivotTables, lookup functions, and financial reporting.
- Experience with financial dashboards, MIS reporting, and analytical tools such as Power BI or Tableau.
- Working knowledge of SQL and financial data analysis is preferred.
- Understanding of payment gateway APIs, webhooks, transaction statuses, and reconciliation workflows is an advantage.
- Familiarity with accounting or ERP systems and automated billing platforms is preferred.
- Knowledge of international payments, multi-currency transactions, cross-border settlements, and applicable tax treatment is an advantage.

Educational Qualifications

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

5. Experience Requirements

- Minimum 4+ years of relevant professional experience in FinOps, subscription finance, payment operations, billing and reconciliation, or FinTech financial operations.
- Demonstrated hands-on experience with payment gateways and recurring subscription payment systems.
- Experience managing financial operations for multiple clients, accounts, or subscription-based products.
- Proven ability to handle transaction reconciliation, failed payments, refunds, chargebacks, settlement reports, and revenue tracking.
- Experience working with SaaS platforms, AI products, voice-agent platforms, or other recurring-revenue business models is highly desirable.
- Experience collaborating with finance, product, engineering, and customer support teams to resolve complex financial and payment issues.

Key Performance Indicators (KPIs) Performance will be evaluated based on:

- Accuracy and timeliness of subscription billing and financial reconciliation.
- Reduction in unresolved settlement discrepancies and unaccounted transactions.
- Payment success rate and effectiveness of failed-payment recovery.
- Timeliness of client collections, refund processing, and dispute resolution.
- Accuracy and timely submission of financial MIS reports and dashboards.
- Reduction in payment gateway costs and preventable revenue leakage.
- Accuracy of client-wise subscription revenue and financial records.
- Effectiveness of billing automation and improvements in financial processes.
- Compliance with internal financial controls and audit requirements.
- Quality of coordination with clients, finance teams, and technical teams.

Pay: ₹25,000.00 - ₹80,000.00 per month

Work Location: In person

📌 FinOps Engineer (Pune)
🏢 Blessing SoftTech
📍 Pune