Payments Operations Analyst at Funding Circle | London | Rezi

Payments Operations Analyst at Funding Circle

Payments Operations Analyst

Funding Circle · London

2 weeks ago

Payments Operations Analyst

Funding Circle · London

14 days ago
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About the Role

You’ll make a real difference for our customers and your team from day one. We believe the fastest way to learn is by doing, so we give you the ownership to run with things and see the results of your work in real-time.

Responsibilities

  • Manage daily payment runs across internal systems, handling inbound and outbound transactions (Direct Debits, Open banking, Card payments, Faster payments, and bank transfers).
  • Identify unusual payment patterns and irregular account behavior, applying immediate solutions and collaborating with tech teams on permanent system fixes.
  • Master the end-to-end flow of money across various products (Term Loans and FlexiPay), handling and routing payment exceptions.
  • Perform daily operational checks and authorize internal and external transactions, ensuring data alignment between internal ledgers and bank accounts.
  • Liaise with AML and Financial Crime teams, providing transaction data for daily checks and ensuring preventative measures are actioned.
  • Maintain compliance with regulatory standards, focusing on FCA guidelines and CASS (Client Money) rules.
  • Collaborate with teams across the business, including Capital Market Operations, Collections, and Customer Success.
  • Respond to payment queries from internal colleagues and external customers clearly and efficiently.

Requirements

  • A meticulous approach to checking figures and ledgers in a fast-paced environment where minor mistakes have a direct financial impact.
  • Comfortable analyzing transactional data to identify trends, anomalies, or system drops using Excel or basic data dashboards.
  • Ability to track down ambiguous payment exceptions and handle manual workarounds calmly when issues arise.
  • Experience working in a high-volume transactional environment (e.g., Fintech, payment processing, retail banking, or busy financial administration).
  • A good baseline understanding of safeguarding client funds and working within an FCA-regulated environment.
  • Proactively identify ways to use Generative AI to streamline daily tasks and improve personal productivity.
  • Confident using approved AI tools safely and effectively to enhance output and find better ways of working.

Skills

  • Direct Debits
  • Open banking
  • Card payments
  • Faster payments
  • Bank transfers
  • Excel
  • Data dashboards
  • Generative AI

Location

  • London

Work Type

  • Hybrid
  • 3 days in the office

Experience Level

  • Operations experience

Education Level

  • CASS or Client Money awareness

Salary/Compensations

  • Competitive Salary

Benefits

  • Benefit allowance tailored to individual needs
  • Private medical and dental insurance
  • Health assessments
  • Access to a digital GP
  • Life assurance
  • Share schemes
  • Financial coaching
  • Dedicated annual learning allowance
  • Electric car scheme
  • Cycle-to-work scheme
  • Season ticket loans
  • Award-winning parental leave policies
  • Support for fertility treatments
  • Support for new additions to the family
  • Barista coffee
  • Subsidised Just Eat lunches

About the Company

  • On a mission to back UK small businesses by providing funding through a platform that uses data to secure funding in minutes.
  • Combines the restless energy of a fintech start-up with the stability of a public company.
  • A high-performing team that supports each other.
  • Businesses on the platform generated £7.2bn for the UK economy last year.

Equal Opportunity

  • We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.