Payments Operations Analyst

Factorial

Payments Operations Analyst ensuring operational efficiency in the cash flow management for fintech. Leading daily cash processes with focus on internal and external collaboration.

Posted 5/15/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Execute the operational flow: Lead daily cash inflows and outflows (multi-product, multi-currency), ensuring excellence at every cutoff: file uploads, status monitoring, account onboarding, and voucher/document control.
Ensure financial integrity: Lead weekly reconciliations in coordination with Administration and Accounting to optimize monthly close SLAs and proactively detect variances.
Optimize the payments ecosystem: Identify deficiencies and improvement opportunities in payments, FX, and account onboarding processes; analyze their impact and propose disruptive solutions.
Management control: Collaborate with internal and external payment owners to identify and mitigate deviations from operational objectives.
Cross-functional synergy: Proactively work with CX, Ops, CS, and Collections teams to ensure top-tier service standards across our products (Factoring, FX, etc.).

Requirements

What you’ll need

Analytical DNA: Ability to process complex data and prioritize customer needs under pressure.
Data stack: Intermediate proficiency in SQL and Excel (able to extract and manipulate data autonomously).
Product vision: Ability to detect issues, document them and translate them into technical use cases for the Product/Engineering team.
Extreme attention to detail: In this role, accuracy is our number-one priority.
Disruptive proactivity: If you see something that doesn't work, you question it and fix it.
Plus: Previous experience in fintechs, payment processors, or modern banking.
Deep knowledge of financial products (Factoring, FX, etc.).

Benefits

Comp & perks

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Hard Skills & Tools

SQLExceldata analysisfinancial reconciliationpayments optimizationaccount onboardingvoucher controlmulti-currency transactionscutoff managementtechnical use cases

Soft Skills

analytical thinkingattention to detailproblem-solvingproactive mindsetcollaborationcustomer focusadaptabilitycommunicationprioritizationcritical thinking