Senior Associate, Cost of Sales Operations - Reconciliations

Job Overview

Working as part of the Cost of Sales (COS) Operations function, you will lead the end‑to‑end reconciliation and optimisation of global scheme fees. The Senior Associate is a strategic specialist responsible for translating technical cost drivers into business insights and managing the integrity of our financial data through rigorous approval and oversight.

Responsibilities

• Subject Matter Expertise: Serve as Checkout.com’s internal and external subject matter expert on Card Payment Scheme fees across all operating regions.
• Contextual Insight: Identify systemic trends in scheme fee data and use critical thinking to drive insights based on the broader business context.
• Approval & Oversight: Act as the final point of validation for scheme fee mapping and business requirements, ensuring that technical updates to the Fee Prediction Engine are accurate and audit‑ready.
• Technical Translation: Translate technical scheme fee updates into clear business requirements and adjust your communication style to effectively influence diverse stakeholder audiences.
• Cross‑Functional Solutioning: Collaborate with other teams to drive remediation and execution of complex scheme fee reconciliation solutions.
• Strategic Risk Mitigation: Challenge the status quo and identify systemic risks within the scheme fee remit to ensure details sync with the broader business strategy.
• Project Ownership: Act as a key supporter or owner for project delivery, specifically regarding the implementation of scheme mandates and new region onboarding.
• Financial Impact Evaluation: Evaluate the impact of financial outcomes on cross‑functional partners and identify data‑driven opportunities to improve business outcomes by conducting detailed reconciliation of predicted versus actual costs to manage and investigate variances.
• Optimisation Recommendations: Provide high‑level recommendations to management based on scheme fees being charged to drive cost efficiencies.
• Process Leadership: Lead the development and documentation of best practices to ensure reconciliation processes scale and manual efforts are minimised.
• Other duties as assigned.

Qualifications

• 5+ years of experience in the payment industry in the Card Schemes pricing domain and/or in high‑volume transaction environment.
• Excellent analytical and problem‑solving skills, with motivation to find end‑to‑end solutions.
• Ability to work cross‑functionally and with remote teams.
• Excellent attention to detail and ability to work with complex datasets.
• Ability to meet tight deadlines in an evolving environment and sometimes shifting priorities.
• Willingness to take the initiative and continuously learn.
• Strong sense of ownership and accountability.
• Proficient in Microsoft Excel and SQL.
• Experience with BI tools, JIRA, Retool is a plus.
• Bachelor’s degree in Finance, IT or Analytics.
• Fluency in English, and superb communication skills at all levels.
• Knowledge of Interchange and Scheme Fees, Card Schemes and Payments Processing will be an advantage.