Payment Specialist

YouLend • Atlanta, GA

2d

About The Position

YouLend is hiring a Payment Specialist to join its US Credit Operations team and Payments sub-team in Atlanta. The role involves building and maintaining an in-depth understanding of the payments platform and supporting the wider business through problem solving, data analysis, and ad hoc projects. The specialist will contribute to workflow improvement and automation, and support the Team Lead in improving customer service, payments, and funding processes.

Requirements

• Understanding of reconciliation processes and statement reporting.
• Working knowledge of anti-money laundering (AML) procedures.
• Ability to learn quickly, adapt, work flexibly, and meet quality and production expectations in a team environment.
• Computer competency, including proficiency with Microsoft Office products.
• Ability to work independently, take initiative, and adapt to change.
• Strong problem-solving ability.
• Strong processing and analytical skills, including the ability to analyze large amounts of data, identify higher-risk attributes, and handle them appropriately.
• Strong interpersonal, verbal, and written communication skills.
• Ability to multitask and work effectively in a fast-paced, high-intensity environment with strict deadlines.
• Ability to respond immediately to escalated issues and rapidly changing priorities.
• Critical-thinking, analytical, and problem-solving skills for operational planning and evaluation.
• Ability to handle highly confidential information professionally.
• Ambition and motivation to develop as the company grows.

Nice To Haves

• Target-driven mindset and strong interest in payments and commercial success.
• Three or more years of experience in a Payments role in a fintech environment.
• Excellent written and verbal communication skills, including confidence communicating by phone and email.
• Comfort using Microsoft Excel and working with data.
• Customer-first attitude and passion for helping small businesses succeed.

Responsibilities

• Execute daily payments, including Faster Payments and international payments, in line with agreed cut-off times.
• Reconcile incoming payments and ensure they are allocated correctly within agreed timescales.
• Investigate and resolve payment exceptions, including rejections and returned payments.
• Complete post-funding requests in line with service-level agreements.
• Liaise with internal and external partners about payment delays and manage solutions with the Payments Team Lead.
• Assign payments from third-party debt purchasers.
• Monitor transactions to identify and prevent fraud.
• Respond promptly and effectively to payment-related queries from colleagues and external parties.
• Maintain a high standard of service and recommend improvements to processes and interactions.
• Develop an in-depth understanding of the payments platform.
• Manage time to complete critical tasks and meet deadlines.
• Complete projects and goals on time in accordance with requirements.
• Act as the point of contact for payment-related queries.

Benefits

• Medical insurance and prescription drug coverage, with five plan options through United Healthcare; YouLend covers 80% of the premium and employees contribute 20%.
• Dental plan coverage.
• Vision plan coverage.
• 401(k) match of $1 for $1 up to 5% of salary.
• Basic life and AD&D insurance.
• International travel insurance for work-related travel abroad.
• 20 working days of paid time off (four weeks), plus US public holidays.
• Paid office parking.
• Potential bonus or share-option appreciation and career growth opportunities.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed