Role Summary
The Chartered Accountant (CA) will serve as the financial control authority within Banking
Operations ensuring profitability governance acquiring bank commercial validation
pricing compliance financial reconciliation accuracy and prevention of revenue leakage
across all payment modes (Cards Netbanking UPI Wallets EMI). The role requires
strategic financial oversight aligned with board-level expectations.
Key Responsibilities
Merchant Profitability Governance: Weekly contribution margin analysis for enterprise
and top 100 merchants. No onboarding without profitability validation.
Bank Commercial Validation & Market Practice Review (MPR): Weekly pricing
validation across Cards Netbanking UPI Wallets. Escalate deviations within 24 hours.
Revenue Leakage Prevention: Validate buy rate vs sell rate alignment and ensure
correction of commercial mismatches.
Financial Reconciliation Oversight: Supervise MDR reconciliation settlement matching
chargeback accounting and revenue recognition.
Onboarding Financial Risk Control: Approve high-value merchant onboarding only after
break-even and risk assessment validation.
Success Rate Revenue Impact Analysis: Analyze routing performance impact on revenue
and margin realization.
Regulatory & Audit Readiness: Maintain financial documentation and audit trails
aligned with RBI and internal audit standards.
KPIs & Performance Metrics
100% profitability validation prior to onboarding.
Zero revenue leakage due to pricing or reconciliation errors.
Weekly profitability and MPR report submission to Management.
Escalation of negative GP cases within 23 business days.
100% bank invoice validation within agreed TAT.
Required Qualifications & Experience
Qualified Chartered Accountant (Mandatory)
38 years of experience in Fintech / Payment Gateway / Acquiring / Banking
Strong expertise in financial modeling reconciliation and margin analysis
Advanced Excel and MIS reporting capability
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