Reconciliation and Billing Analyst

The Reconciliation and Billing Analyst is responsible for ensuring the accuracy and integrity of billing across all card schemes, processor, and vendor invoicing including Mastercard, Visa, American Express, and affiliated networks. This role spans daily scheme advisements reconciliation, clearing and settlement matching, monthly invoice validation, vendor billing reconciliation, interchange and assessment fee analysis, scheme mandate management, acquirer commission reconciliation, dispute handling, and billing trend monitoring requiring high accuracy from day one.

• →Scheme Billing Reconciliation - Reconcile network billing across all issuing accounts; validate fee categories, event codes, and charges against internal transaction and settlement data. Match daily clearing and settlement files, investigate variances with scheme representatives, and file formal disputes where required.
• →Vendors Billing Reconciliation - Validate invoices from card issuing processors, personalization bureaus, and issuing vendors against contracted pricing and actual volumes. Identify pricing errors, tier misapplications, and contract non-compliance.
• →Mandate & Program Management - Manage the full lifecycle of scheme mandates and enrolments (effective dates, renewals, fees, compliance). Maintain a register of active programs and execute opt-outs from non-value-adding auto-billing services.
• →Reconcile Commission & Interchange - Reconcile commission, interchange, and revenue share statements against commercial terms and settled volumes. Audit fees for pricing accuracy; resolve underpayments, calculation errors, and missed cycles with acquiring partners.
• →Billing Forecast & Trend Monitoring - Maintain rolling forecasts from historical trends, volumes, and fee schedules. Detect billing anomalies early, investigate root causes, and provide management with projected exposure against budget ahead of invoice receipt.
• →Reporting & Controls - Prepare monthly variance reports covering exposure, disputes, and recoveries. Build reconciliation tools and dashboards (Excel/BI) to reduce manual effort. Coordinate with Finance on GL alignment and support audit and regulatory review.

• Bachelor's degree in Finance, Accounting, Business, or a related field.
• 1–3 years' experience in issuing/processing  operations, payments finance, with direct exposure to scheme billing or settlement reconciliation.
• Working knowledge of scheme mandate structures, program enrolments, and fee governance for Mastercard, Visa, and American Express.
• Strong Excel skills pivot tables, lookups, large dataset reconciliation.
• Strong analytical and investigative skills, including transaction routing, authorization failures, and data mismatches.
• Strong written communication for dispute filing and vendor/scheme correspondence.
• Able to work independently and follow issues through to resolution with minimal supervision.

• Prior exposure to acquirer commission or interchange reconciliation.
• Familiarity with tokenization billing (MDES, VTS), PCI and scheme compliance fee structures, and settlement/clearing cycles.
• Experience building reconciliation tools, trackers, or dashboards.
• Early career experience at a card issuer, processor, program manager, or payment service provider.

• Shape the future of finance 
• Collaborate with world-class talent in a user-centric global organization with a flat structure
• Tackle challenging projects in a fast-paced and innovative enviornment with autonomy
• Thrive in a results-driven workplace with opportunities for career growth and continuous learning
• Competitive salary and company benefits
• Remote-first, work-from-home arrangement (may vary depending on the nature of the role and team)

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