What You’ll Be Doing
Own the Backoffice end-to-end: be accountable for functionality, business logic, data model, documentation, roadmap, and overall system lifecycle.
Own reconciliation processes: define matching rules, tolerance thresholds, and break management; monitor reconciliation quality and reduce manual intervention and recurring discrepancies.
Own settlement and payouts: manage settlement business logic, including settlement cycles, fees, reserves, netting, FX, and adjustments, while ensuring payout transparency and control.
Ensure wallet and ledger integrity: define wallet and balance rules across currencies, monitor the correctness of money movements, and prevent unexplained discrepancies and balance inconsistencies.
Drive requirements and roadmap: translate operational, regulatory, and business needs into a prioritized backlog, write clear and testable requirements, and make trade-off decisions together with Engineering.
Own delivery and release quality: define acceptance criteria, lead UAT, coordinate business testing, approve releases, and verify outcomes after deployment.
Manage incidents and operational continuity: act as the escalation point for critical incidents, assess financial impact, coordinate remediation and post-incident reviews, and oversee financial data correction processes.
Partner with Finance, Compliance, Support, and Audit: provide required documentation and evidence, support regulatory and audit requirements, participate in month-end close, and train Back office users.
Qualifications You Will Bring
4+ years of experience in payments / PSP / acquiring / e-money / fintech / banking, with hands-on experience owning reconciliation, settlement, or ledger processes.
Strong understanding of the payment lifecycle: authorization, capture, refunds, chargebacks, representments, and their impact on money movement and balances.
Knowledge of card schemes and APMs: understanding of settlement timing, provider files, fee structures, and dispute mechanics across different payment methods.
Strong understanding of accounting and ledger principles: double-entry accounting, wallets, multi-currency, and FX.
Strong SQL skills: ability to independently investigate production data and identify the root causes of financial discrepancies.
Experience working with payment data and integrations: CSV/XML/JSON, SFTP, APIs, and reconciliation of data from different sources.
End-to-end ownership experience: proven ability to own a product or process, define requirements, manage a backlog, run UAT, and drive delivery across multiple teams.
High attention to detail and an analytical mindset: ability to work with financial data, validate assumptions using evidence, and thoroughly investigate discrepancies. Fluent written English.
Nice-to-Have
Experience onboarding new payment schemes / APMs, including provider reports, field mapping, fees, refunds, and chargebacks.
Knowledge of PCI DSS, AML, safeguarding/client money, and regulatory reporting requirements.
Experience working with Finance and accounting systems, including GL interfaces, month-end close, and merchant liability reporting.
Experience building and improving operational controls, automating reconciliation, and reducing manual intervention.
Skills Required
- 4+ years of experience in payments, PSP, acquiring, e-money, fintech, or banking, with ownership of reconciliation, settlement, or ledger processes
- Strong understanding of the payment lifecycle, including authorization, capture, refunds, chargebacks, and representments
- Knowledge of card schemes and alternative payment methods, including settlement timing, provider files, fees, and disputes
- Strong understanding of accounting and ledger principles, including double-entry accounting, wallets, multi-currency, and foreign exchange
- Strong SQL skills for production-data investigation and identifying financial discrepancy root causes
- Experience with payment data and integrations using CSV, XML, JSON, SFTP, and APIs
- End-to-end product or process ownership, including requirements, backlog management, UAT, and cross-team delivery
- High attention to detail and an analytical mindset for investigating financial discrepancies
- Fluent written English
- Experience onboarding payment schemes or alternative payment methods
- Knowledge of PCI DSS, AML, safeguarding/client money, and regulatory reporting
- Experience with Finance and accounting systems, GL interfaces, month-end close, and merchant liability reporting
- Experience building operational controls, automating reconciliation, and reducing manual intervention
What We Do
From London to Singapore and from San Francisco to São Paulo, we help businesses enter new markets, explore new industries, and reach new milestones. We are driven by a deep-seated determination to be the best possible partner for our customers – giving you the support you need to capitalize on a world that’s changing at breakneck speed. Our mission is to provide innovators with a convenient and simple financial interface that enables payments to flow freely and invisibly across borders. We offer a wide range of services, including payment gateway, card acquiring, business accounts, card issuing, alternative payment methods, and more. That’s the reason why we are called Unlimit: we provide unlimited growth opportunities for our customers, freeing them from the payment constraints. Unlimit - Borderless Payments
