• We are looking for a detail-oriented Payment Clearing Specialist to manage daily transaction reconciliation and fund settlement for our mobile phone installment business in the Philippines. You will work closely with local payment gateways, banks, and internal teams to ensure accurate and timely fund flows.

• Perform daily reconciliation between payment gateway/bank transaction data and internal business system records, ensuring accuracy of transaction details, fees, and settlement amounts.
• Monitor fund flows; investigate and resolve settlement discrepancies (e.g., overages, shortages, duplicate payments, failed refunds).

• Liaise with local Philippine payment service providers (e.g., GCash, PayMaya, Dragonpay, Paynamics, banks) to maintain stable payment operations.
• Assist the technical team in troubleshooting payment API issues (e.g., failed callbacks, status sync errors) and track resolution progress.
• Regularly evaluate channel costs and success rates to provide data support for channel optimization.

Reporting & Settlement:

• Prepare daily/weekly/monthly fund reports, including receivable/payable summaries, channel cost analysis, and cash position statements.
• Coordinate with the finance team to complete settlements with merchants (mobile phone stores/partners), ensuring accuracy and timeliness.

• Support the risk control team in investigating suspicious or fraudulent transactions by providing clearing-related data.
• Ensure settlement processes comply with relevant regulations from the Bangko Sentral ng Pilipinas (BSP) and Anti-Money Laundering Council (AMLC) ; assist in preparing audit documentation.

• Quickly respond to payment-related issues reported by business teams or customers (e.g., user charged but no loan disbursed, duplicate charges); identify root causes and coordinate resources for resolution.

• Education: Bachelor's degree or associate degree in Finance, Accounting, Economics, Business, or a related field.
• Experience: Minimum 3 years of experience in payment clearing, fund settlement, or reconciliation. Experience in Fintech, E-commerce, or Third-party Payment industries is highly preferred.

• Familiarity with the clearing logic and processes of major Philippine payment methods (E-wallets, Online Banking, OTC, InstaPay/PESONet).
• Proficient in Microsoft Excel (VLOOKUP, Pivot Tables) for handling large datasets; basic SQL knowledge is a plus.
• Basic understanding of API logic to effectively communicate with technical teams regarding payment interface issues.
• Foundational knowledge of accounting principles (debit/credit) and fund flow logic.

• English: Fluent in both written and spoken English (mandatory) for communication with HQ and local stakeholders.
• Tagalog: Native or near-native proficiency to efficiently coordinate with local payment channel support.
• (Bonus) Basic Mandarin Chinese listening skills to facilitate communication with China-based finance/technical teams.

• Must be a Philippine citizen or hold a valid local work visa.
• Highly detail-oriented with strong numerical sensitivity and a sense of responsibility.
• Excellent communication and coordination skills for cross-team collaboration (business, tech, channels, finance).
• Willingness to work occasional overtime during peak settlement periods or month-end closing.