Payments & Settlement Analyst

INHABIT IQ•Alpharetta, GA

1d•Hybrid

About The Position

Inhabit operates a unique collective of tech-forward companies serving the residential, commercial, and short-term rental industries. Our team members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. Inhabit believes that property managers are central to the success of the residential and short-term rental markets and delivers products built to empower them, their investors, and communities. Come help build the company you want to Inhabit. To learn more, visit inhabit.com. We are seeking an experienced Payments & Settlement Analyst to own and manage the end-to-end lifecycle of transaction reconciliation and settlements for our Daily Reconciliation & Settlement Platform. This role is responsible for ensuring precise, auditable settlement outcomes across our Programs and For-Benefit-Of (FBO) accounts while partnering closely with Product, Engineering, Finance, and Operations to build scalable, data-driven infrastructure. This role will play a critical part in designing and operating AI-enabled reconciliation and settlement workflows, transforming historically manual and reactive processes into intelligent, automated, and observable systems. The Payments & Settlement Lead will define and codify reconciliation logic, exception handling, and settlement rules, and provide operational oversight of AI-assisted agents and automation, ensuring accuracy, explainability, and strong financial controls. The ideal candidate brings deep payments domain expertise combined with strong data and systems fluency. They are comfortable operating and governing automated workflows in production environments, establishing human-in-the-loop controls, monitoring performance, and continuously improving outcomes as transaction volumes and business complexity grow.

Requirements

5+ years of experience in payments operations, reconciliation, or settlement within FinTech or financial services.
Strong reconciliation and ledger expertise across card, ACH, and banking ecosystems.
Strong SQL skills and experience with modern data ingestion and transformation pipelines.
Experience designing or operating AI-driven or rules-based automation in financial workflows.
Ability to monitor and tune automated systems in production environments.
Familiarity with operational monitoring, controls, auditability, and data lineage.
Comfort partnering with engineering, data, and product teams.
Understanding of AI governance, risk, and explainability requirements.
Experience leading teams and overseeing human + AI workflows.

Nice To Haves

Experience working in FinTech industry is preferred

Responsibilities

Oversee daily reconciliation processes including ingestion, normalization, matching, exception handling, and settlement file creation.
Maintain and enhance canonical ledgers with strong auditability and control frameworks.
Define and manage exception frameworks, including detection logic, ownership, and SLAs.
Design and operate monitoring, alerts, and dashboards for reconciliation systems.
Partner with Engineering to translate business and financial requirements into technical designs.
Lead development and oversight of AI-driven reconciliation agents and workflows.
Drive continuous improvement through automation and root-cause analysis.
Ensure strong financial controls, data lineage, and audit readiness.
Partner with Finance and FP&A to support settlement cadence and month-end close.