Role & Responsibilities
- Own end-to-end payment operations, including seller payouts, refunds, BNPL settlements, back payments, and invoice-based collections.
- Lead reconciliations (daily/weekly/monthly) across payment gateways, banks, BNPL providers, and internal finance systems to ensure settlement accuracy and completeness.
- Investigate and resolve exceptions such as settlement delays, reconciliation breaks, chargebacks, and payment discrepancies within agreed SLAs.
- Manage partner coordination with banks, fintechs, and BNPL providers for smooth integrations, issue resolution, and reliable payment flows.
- Maintain accurate payment records, including settlements, outstanding balances, and aging for payables/receivables.
- Handle payment-related customer support queries (failed payments, refunds, disputes, and invoice clarifications) with clear communication and timely closure.
- Issue invoices, track receivables, and drive collections follow-ups to reduce overdue balances and improve cash flow.
- Build and maintain dashboards and reports to monitor payment performance, reconciliation status, inventory movements and key KPIs.
- Improve operational efficiency by supporting automation, controls, and process enhancements for payment and reconciliation workflows.
- Partner with Product, Operations, and Engineering to refine payment logic, strengthen controls, and improve exception handling.
- Support financial reporting and month-end activities related to payments, collections, and cash visibility.
- Assist with audits and compliance by maintaining documentation and contributing to SOP development and updates.
Skills:
- Strong understanding of payment operations, reconciliations, and financial workflows.
- Experience handling back payments, settlements, and exception management.
- Strong analytical skills with attention to detail and accuracy.
- Comfort working with financial data, dashboards, and reporting tools.
- Experience collaborating with banks, fintechs, or BNPL providers is a strong plus.
- Ability to automate or improve manual finance processes.
- Strong communication skills and ability to work cross-functionally.
- Proficiency in Excel / Google Sheets; experience with dashboards or BI tools is a plus.
Qualifications:
- 2–4+ years of experience in finance operations, payments, reconciliation, or related roles.
- Experience working in fast-paced startups, e-commerce, fintech, or marketplace businesses is a plus.
- Background in finance, accounting, business, or a related field.
- Experience with payment gateways, BNPL providers, or banking partners is highly desirable.
Top Skills
What We Do
At Soum, we're on a mission to build a marketplace that enables users to buy and sell anything online with convenience, trust, and ease starting in the MENA market. We began with second-hand electronics in KSA, becoming market leaders, and are now expanding to used cars and collectibles. In just two years, we've facilitated hundreds of thousands of transactions across 150+ locations in the Kingdom, maintained 10,000 active listings at any given time, earned the distinction of being the 10th most downloaded e-commerce app in KSA for 2023, and received more than 5 million app downloads. Our team, Soumers, have worked in over 14 countries from the US to South Korea. We are always on the look out for the best and brightest to join. We look beyond resumes and titles, we look for the innovators, the hungry, the go-getters. We offer them the autonomy to experiment, learn, fail, and grow. Every transaction on Soum is guaranteed; we hold funds until the item is delivered and confirmed by the buyer, thanks to our proprietary fulfillment and payment systems. This ensures a secure and reliable marketplace experience. Soum has pioneered a solution that have transformed digital commerce for sellers in the wider region: Individuals: Enjoy unique home pick-up and delivery services, secure payments, and transaction guarantees for worry-free selling. Small Businesses: Sell faster and reach a wider audience with our dedicated "Merchant App." Teleco and retail partners: Gain optimal returns with bulk-selling options, comprehensive inspections, and efficient warehouse management. We deploy AI models to power our marketplace with personalized recommendations, dynamic pricing, predictive analytics, and fraud detection, ensuring a smarter, safer, and more efficient platform for our users. Soum is backed by local and regional investors including, amongst others, Jahez Group, Isometry Capital, and Al Rajhi Partners and have raised $22Mn to date.
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