Risk Operations (Senior) Analyst

About the team: At Aspire, we are committed to empowering our customers throughout their journey with us. Our Operations Team ensures customers can operate seamlessly on our platform, and guarantee the best customer experience possible.

About the role:

As a Payment Operations Analyst, you will play a key role in developing and driving the services that Aspire offers to its clients. We seek a highly motivated and proactive individual to join our team and drive our payment product offerings.

As a Payment Operations Analyst, you will learn & understand the ledger structures between Aspire and our Payment partners, the different payment types we facilitate, and focus on daily reconciliation between our Aspire ledgers and Partner ledgers for our client transactions. You will also be responsible for identifying any new patterns and trends in reconciliation logic, to retrospectively and proactively improve our reconciliation accuracy and speed.On top of this, you will be responsible for supporting our payment capabilities to ensure our clients are able to receive, and send funds in a timely manner.

• Daily Reconciliation - Perform daily reconciliation to ensure our books/ledgers are in order, and dive deep to analyse any discrepancies, possible root causes, and identify gaps which cause discrepancies
• Learn & Apply - Apply all the below learnings in daily operational activities to troubleshoot issues and determine if they are operational or technical in nature, and to ensure the company’s products are functional and delivered seamlessly
• Learn about a fintech’s operating structure and how transfers are sent/ received, along with different transfer methods/rails per country, and the common issues
• Learn about QR code payments and how they integrate with business accounts
• Learn about credit products/facilities, and be involved in the end-to-end process of credit billing, disbursements, collection of repayments, and renewals
• Daily Operations - Operate back-end functions on our tech platform such as manual processing of transactions/requests, activating features, invoicing, applying repayments/late fees, ledger readjustments.
• External Partner Management - Liaise with our business/service partners daily to troubleshoot and resolve issues
• External Client Management - Interact with our customers to solve their issues/concerns, advise solutions in-line with our product capabilities and internal SOP’s
• Internal Cross Functional Collaboration - Collaborate with various internal operational departments/teams to troubleshoot on issues, derive solutions, and create new SOP’s.
• Build Processes and Frameworks - Own or Co-build/design existing or new processes to achieve the operational efficiencies of reduced time (SLAs), reduced errors, and better client experiences.
• Ad-Hoc Projects - Work on ad-hoc projects to improve the operational efficiencies of reduced time (SLAs), reduced errors, and better client experiences.

Minimum qualifications:

• Bachelor's degree with outstanding academic records
• Excellent command of English both verbal and written - English is main language used in the company and with clients/partners
• Comfortable with spreadsheets/formulas
• Comfortable with data analysis (e.g. pivot tables)
• Able to work independently in a fast-paced, demanding environment
• Can focus on multiple tasks, and remain attentive to detail
• Able to work in a team with dynamic and constantly changing team structures and responsibilities
• Willing to learn and grow with the company - we’re growing fast!

Preferred qualifications:

• Understand debits and credits
• Able to understand basic technical terms on a “business level” (e.g. the term’s API’s, Query, Webhooks are frequently used between internal teams.)
• Basic understanding of how to make/receive a transfer as a consumer
• Basic understanding of how credit products work (Credit cards or loans) as a consumer
• Ability to code/low code (SQL, Python, VBA) is a plus, but not mandatory.

Join us in our mission to deliver the best possible experience to our customers!