Payment Lifecycle Associate
Mumbai, IndiaFull-timePosted Aug 4, 2026
Join a team shaping the future of digital payments and drive your professional growth. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment.
As a Payment Lifecycle Associate I within Payments Operations, you will enhance our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions, while managing payment processing across various products to ensure smooth fund transfers and reconcile purchase and sales options, futures, or securities. Leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness, you will ensure the security and efficiency of our payment lifecycle. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, while your strategic planning skills will guide our direction and resource allocation decisions. Additionally, your proficiency in AI/ML will be utilized to solve complex problems and enhance processes, applying your knowledge in market product and process improvement to optimize our operations.
Job responsibilities
As a Payment Lifecycle Associate I within Payments Operations, you will enhance our payment operations framework by streamlining processes, implementing new technologies, and developing operational functions, while managing payment processing across various products to ensure smooth fund transfers and reconcile purchase and sales options, futures, or securities. Leveraging your proficiency in automation, cybersecurity, and anti-fraud awareness, you will ensure the security and efficiency of our payment lifecycle. Your ability to manage stakeholders, influence decisions, and handle conflicts will drive mutually beneficial outcomes, while your strategic planning skills will guide our direction and resource allocation decisions. Additionally, your proficiency in AI/ML will be utilized to solve complex problems and enhance processes, applying your knowledge in market product and process improvement to optimize our operations.
Job responsibilities
- Provide overall supervision to the staff during shift operating window
- Ensure that all work items are completed as per the agreed SLA. Strong control required to manage this high volume-driven process and manage the nostro breaks / costs timely.
- Monitor the Overdrawn Interest Costs on Nostro balance exceptions and ensure that they are resolved in a timely manner by collaborating with internal Line of Business and assigning costs appropriately to the right desk.
- Identify opportunities for improving the efficiency of the process.
- Identify the training requirements of the team members and work with the Associate on providing the required trainings .
- Track the changes to the procedures and ensure that the team is fully aware of the changes.
- Perform reconciliation to identify the reason for the break and reach out to businesses to close the breaks within the expected time frame.
- Monitor, validate and verify overdraft & credit interest charges/fees and tune out the apt approach for directing the expense cost at the right place.
- Partner with Global projects team to ensure seamless rollouts of any enhancements and on or off boarding of any accounts from Cash Management systems
Required Qualifications, Skills and Capabilities:
- Strong written and oral comprehension of English language
- Working knowledge of Banking Operations
- Computer navigation skills
- Advanced Excel skills
- College degree and four or more years of Banking Operation Experience
Preferred Qualifications, Skills and Capabilities:
- Proficient in Microsoft products.
- Proficient in Intelligent Solutions – Alteryx/Tableau, etc.
- Knowledge of Nostro Funding Process /SWIFTs/Nostro Balances validation & Interest Expensing