Blessing Softtech (Fonazo) | Pune, Maharashtra | Full-time | On-site

Blessing Softtech is hiring a FinOps Engineer to run the financial operations behind Fonazo, our AI-powered voice agent and subscription platform.

You will own the money path end to end for every Fonazo client: subscription billing, payment gateways, reconciliation, collections, refunds and revenue reporting. Every invoice billed correctly, every payment collected on time, every settlement accounted for.

Experience: 4+ years

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

Location: Pune, work from office

Joining: Immediate joiners preferred

Key Responsibilities

Subscription Billing and Revenue

- Run end-to-end subscription billing for Fonazo clients, including recurring payments, plans, renewals, upgrades, downgrades, cancellations and plan changes.
- Track MRR, ARR, customer lifetime value, churn and subscription growth.
- Ensure correct calculation of prorated billing, discounts, promotional offers, taxes and fees.
- Identify billing discrepancies and revenue leakage, find the root cause and fix it.

Payment Gateways

- Manage operations across gateways such as Razorpay, Stripe, PayPal, Adyen, Braintree, Checkout.com and similar providers.
- Configure and monitor gateway settings, transaction workflows, settlement schedules, payment methods and recurring billing.
- Track success rates, declined transactions, gateway fees, refunds and settlement discrepancies by provider.
- Work with engineering on integration issues, API billing errors, webhook failures and transaction status mismatches.
- Evaluate gateways on pricing, supported currencies, geographic coverage and settlement timelines.

Reconciliation and Settlement

- Reconcile gateway transactions, invoices, customer payments, refunds and bank settlements daily, weekly and monthly.
- Verify gross transaction values, processing fees, taxes, net settlements and disputed transactions.
- Resolve discrepancies between gateways, internal billing, accounting records and bank statements.
- Monitor settlement delays, failed payouts, duplicate transactions and payment reversals.
- Maintain ledgers, transaction registers, settlement reports and audit-ready documentation.

Client Financial Operations

- Own billing, collections and account-level financial records for multiple Fonazo clients.
- Prepare client-wise statements covering revenue, collections, failed payments, refunds, gateway charges and net settlements.
- Resolve client billing disputes, payment failures, invoice discrepancies and refund requests.
- Communicate clearly and on time with clients about failed payments, pending dues and billing changes.

Refunds, Chargebacks and Disputes

- Manage refunds, chargebacks,



reversals and disputed transactions within company and gateway policy.
- Collect evidence and work with payment providers to close disputes on time.
- Monitor chargeback ratios, refund trends and fraud indicators.
- Set procedures for refund approvals, transaction verification and dispute escalation.

Reporting, MIS and Analytics

- Produce daily, weekly and monthly MIS on subscription revenue, collections, transaction volumes, failed payments, refunds and settlements.
- Build dashboards for MRR, ARR, churn, renewal rate, payment success rate, outstanding receivables and revenue leakage.
- Analyse gateway fees, client profitability, transaction costs and contribution margins.
- Automate reporting with Excel, SQL, Power BI or similar tools.

Financial Controls and Compliance

- Set internal controls for billing, refunds, settlements, revenue recognition and financial adjustments.
- Maintain audit trails, approval workflows and supporting documents for reviews and audits.
- Support PCI DSS, tax, data protection and payment provider requirements across relevant markets.
- Monitor suspicious transactions, duplicate charges, unauthorised refunds and fraud indicators.

Product and Engineering Coordination

- Translate financial requirements into specifications for plans, billing logic, invoices, retries, refunds and settlement workflows.
- Validate gateway integrations, subscription lifecycle events and billing calculations at each release.
- Test payment APIs, webhook events, recurring billing, failed-payment recovery and refund workflows.
- Identify automation opportunities that reduce manual reconciliation and scale with client volume.

Payment Optimisation and Planning

- Analyse failed and declined transactions and address their causes.
- Run dunning, automated retries, renewal reminders and failed-payment recovery.
- Reduce involuntary churn and processing costs.
- Support revenue forecasting, cash flow planning, collection projections and month-end close.

Required Skills and Qualifications
- Strong understanding of subscription billing, recurring payments, payment processing and revenue reconciliation.
- 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.
- Experience with subscription lifecycle management, invoicing, payment retries, refunds,



chargebacks and settlement reconciliation.
- Knowledge of financial reporting, revenue recognition, accounts receivable, gateway fees and cash flow management.
- Advanced Excel skills, including PivotTables, lookup functions and financial reporting.
- Experience building dashboards and MIS reports in Power BI, Tableau or similar tools.
- Working knowledge of SQL and financial data analysis is preferred.
- Understanding of payment gateway APIs, webhooks and transaction statuses is an advantage.
- Familiarity with accounting or ERP systems and automated billing platforms is preferred.
- International payments, multi-currency transactions, cross-border settlements and tax treatment are an advantage.

Experience and Education
- 4+ years in FinOps, subscription finance, payment operations, billing and reconciliation, or FinTech financial operations.
- Hands-on experience with payment gateways and recurring subscription payment systems.
- Experience managing financial operations for multiple clients, accounts or subscription products.
- SaaS, AI products, voice agent platforms or other recurring-revenue business experience is highly desirable.
- Bachelor's degree in Finance, FinTech, Commerce, Accounting, Business Administration or a related discipline is required.
- Master's degree or relevant certifications are preferred or advantageous.

How You Will Be Measured
- Accuracy and timeliness of subscription billing and reconciliation.
- Reduction in unresolved settlement discrepancies and unaccounted transactions.
- Payment success rate and failed-payment recovery.
- Speed of collections, refund processing and dispute resolution.
- Accurate, on-time MIS reports and dashboards.
- Lower gateway costs and less preventable revenue leakage.
- Effectiveness of billing automation and process improvements.
- Compliance with internal controls and audit requirements.

Why Join Fonazo?
- Work on the financial operations of an AI-powered voice agent and subscription platform.
- Own end-to-end billing, payments, reconciliation and revenue operations.
- Collaborate with finance, product, engineering and customer support teams.
- Help build scalable financial processes for a growing multi-client platform.

How to Apply Interested candidates should send their CV / Resume to [email protected], along with a short note describing the hardest reconciliation problem they have solved.

Please include

- Transaction volume handled.
- Payment gateways involved.
- What was breaking or causing the reconciliation issue.
- How you identified the root cause and fixed it.

Experience: 4+ years Location: Pune, Maharashtra, India

Employment Type: Full-time, In office

Joining: Immediate joiners preferred

Company: Blessing Softtech (Fonazo)

📌 FinOps Engineer (India)
🏢 Blessing SoftTech
📍 India