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At xpate, we’re building a payment platform for the world we live in now — fast-moving, borderless, digital-first.
We’re on the lookout for a Reconciliation Analyst who can take full ownership of reconciliation across all systems, drive automation, and be a key contributor to our scheme fee engine — someone who thinks like a product manager and acts like an engineer.
Your role at xpate:
This role is your chance to be the reconciliation backbone of our platform — ensuring accuracy, resolving discrepancies, and actively shaping the tools and processes that keep our financial flows clean and transparent.
- Own the full-cycle reconciliation process across all systems, ensuring completeness and accuracy of financial data end-to-end.
- Reconcile scheme invoices, identifying and resolving discrepancies with speed and precision.
- Investigate and resolve reconciliation issues raised by clients, acting as the primary point of contact for reconciliation-related queries.
- Act as the main driver of reconciliation automation — defining requirements, prioritizing improvements, and collaborating with engineering teams to deliver scalable solutions, effectively taking on a product manager role.
- Document reconciliation procedures and control frameworks to support auditability, compliance, and operational efficiency.
We’re ready to meet you, if…
You bring deep reconciliation expertise, a product mindset, and a drive to automate and improve the way financial data flows.
- You have proven experience in end-to-end reconciliation across multiple systems and payment flows.
- You have hands-on experience working with schemes invoicing and settlement processes.
- You think like a product manager — you can translate operational pain points into clear requirements and drive their implementation.
- You have experience contributing to fintech or payments product development, ideally including scheme fee or settlement engine work.
- You are comfortable working with modern data tools, SQL, and reconciliation platforms in a fast-paced environment.
- You demonstrate strong analytical skills and an eye for detail, with the ability to spot anomalies quickly and act on them.
- You thrive in complex, fast-paced environments with evolving priorities and are comfortable with ambiguity.
- You continuously identify inefficiencies in reconciliation workflows and proactively push for automation and scalable improvements.
What working at xpate looks like:
- A dynamic, ambitious environment where compliance is seen as an enabler of growth, not a blocker.
- Enjoy flexible working hours, hybrid work options, private health insurance and generous paid time off giving you the balance you need to perform at your best.
- Apple hardware and modern work tools to support your workflow.
- Extra personal time off for rest and recharge: 12 additional days per year, plus your birthday off.
- Private health insurance and wellness benefits.
- Opportunities to grow, lead, and shape xpate's future-proof compliance ecosystem.
Why join xpate?
We’re building the financial backbone of the future — where payments move freely and businesses grow without barriers. If you want real impact, freedom to innovate, and work that drives change, xpate is the place for you.