Associate Analyst NACH & Payments Business Operations

Department - Business Operations

Experience - 1 to 3 years

About the Role :

We are looking for a proactive, detail-oriented NACH & Payments Associate to manage mandate operations, auto-debit presentations, digital payments, collections, reconciliations and payment-related issues. You will keep our payment flows accurate, timely and compliant, and resolve issues quickly with banks, payment partners and internal teams.

Key Responsibilities :

Mandates and auto-debit
Handle day-to-day NACH, ECS, eMandate and UPI AutoPay operations. • Monitor auto-debit presentations, payment transactions, collections and transaction statuses.
Track mandate registrations, rejections, cancellations and debit bounce cases.

Reconciliation and issue resolution :
Perform payment reconciliation and investigate transaction mismatches and settlement discrepancies.
Track refunds, reversals, failed transactions and duplicate payments.
Coordinate with banks, payment gateway partners and internal teams to resolve operational and technical issues.
Ensure timely resolution of pending cases and accurate payment status updates.

Reporting and compliance :




Prepare and maintain MIS reports on payments, collections, mandates and reconciliations.
Maintain operational records and ensure compliance with applicable banking and NPCI guidelines.

Required Skills :
Working knowledge of NACH, ECS, eMandate, UPI AutoPay and digital payment operations.
Understanding of payment reconciliation, collections, refunds and settlements. •

Proficiency in MS Excel and MIS reporting.
Valuable analytical, communication and coordination skills.
Attention to detail, and the ability to manage multiple tasks within deadlines.

Positive to Have :
Hands-on experience with VLOOKUP/XLOOKUP, pivot tables or basic SQL for reconciliation.
Experience working directly with partner banks or payment gateways. • Familiarity with NPCI circulars and mandate lifecycle rules.

Qualification :
Graduate in Commerce, Finance, Business Administration or a related field.
Experience in Fintech, NBFC, Banking or Payment Operations preferred.

Preferred Industry :

Fintech, NBFC, Banking, Digital Lending and Payment Solutions

📌 Nach & Payments Executive Mumbai
🏢 Kissht
📍 Mumbai