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, On-site Joining: Immediate joiners preferred Company: Blessing Softtech (Fonazo)

📌 FinOps Engineer (India)
🏢 Blessing SoftTech
📍 India