Payment Specialist

YouLend•Atlanta, GA

12h

About The Position

YouLend is hiring a Payment Specialist to join its Operations Team, within the Payments sub-team. The role involves developing 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 ideas to continuously improve and automate workflows, and support the Team Lead in improving customer service, payments, and funding processes. The position handles day-to-day payment execution, reconciliation, exceptions, post-funding requests, payment queries, and fraud monitoring. It also involves coordinating with internal and external partners, maintaining service quality, and managing work and projects to meet deadlines and requirements.

Requirements

Understanding of reconciliation processes and statement reporting.
Working knowledge of AML procedures.
Ability to be flexible, learn new skills quickly, and meet quality requirements and production expectations while working with a team.
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 analyse large amounts of data, identify higher-risk attributes, and handle them appropriately.
Strong interpersonal and verbal and written communication skills.
Ability to multitask and work in a busy, high-intensity, high-demand, deadline-driven environment.
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.
Ambitious and motivated, with interest in development as the company grows.

Nice To Haves

A target-driven mindset and strong interest in payments and commercial success.
Three or more years in a Payments role in a Fintech environment.
Excellent written and verbal communication skills and confidence interacting by phone and email.
Comfort using Microsoft Excel and working with data.
A 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 the allocation of incoming payments within agreed timescales.
Investigate and resolve payment exceptions, including rejections and bounced payments.
Complete Post Funding Requests in line with SLAs.
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 effectively to complete critical tasks and meet deadlines.
Complete projects and goals in a timely manner in accordance with engagement and requirements.
Act as the point of contact for payment-related queries.

Benefits

Medical insurance and prescription drug coverage, with a choice of five plans through United Healthcare; YouLend covers 80% of the premium and the employee contributes 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 compensation through bonuses or share-option appreciation.
Career growth opportunities.