Settlement Operations

Founded to transform retail finance, Ajaib Group is an Indonesian fintech unicorn breaking barriers to financial access. Having recently secured a $270M Series C—the single largest funding round in Southeast Asia over the past four years, we are backed by premier global investors including Y Combinator, Ribbit Capital, SoftBank, and SBI Holdings.

To build world-class products, we assemble world-class talent. Supported by our fully remote work arrangement, our team spans Eastern Europe, the Middle East, India, and Southeast Asia, allowing you to work with brilliant engineers and builders from around the globe from wherever you are. We operate with an impact-driven purpose where everyone is the owner of our customers’ satisfaction. Driven by a growth mindset and a fierce will to win, we refuse to settle and constantly push engineering boundaries.

Role Overview

As a Settlement Operations at Ajaib, you will be responsible for managing daily transaction flows and settlement activities, ensuring transactions are processed accurately and efficiently. You will handle real-time reconciliation, settlement processing, and transaction monitoring, while working closely with internal teams and relevant stakeholders to identify and resolve discrepancies and ensure smooth end-to-end settlement operations.

Responsibilities

• Manage daily transaction flows and settlement processes, ensuring transactions are processed accurately and within the required timelines

• Perform real-time reconciliation of transactions and settlement records

• Monitor transaction status and follow up on any failed, pending, or unmatched transactions

• Investigate and resolve reconciliation discrepancies and settlement exceptions

• Maintain accurate transaction and settlement records and documentation

• Coordinate with relevant internal teams and external parties to resolve operational issues

• Support the improvement of settlement and reconciliation processes to improve operational efficiency and accuracy

• Ensure all activities are performed in accordance with internal procedures, controls, and applicable regulations

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field

• 1–3 years of experience in settlement operations, transaction operations, finance operations, reconciliation, or a related field

• Good understanding of transaction processing, reconciliation, and settlement processes

• Strong attention to detail and ability to identify and investigate discrepancies

• Proficient in Microsoft Excel or Google Sheets

• Strong analytical and problem-solving skills

• Good communication and coordination skills, with the ability to work cross-functionally

• Ability to work in a fast-paced, detail-oriented environment and manage time-sensitive transactions

• Experience in fintech, banking, brokerage, or financial services is a plus

• Performance Bonus - Get rewarded for the impact you make

• Private Insurance - Comprehensive health coverage for you

• Paid Time Off - Take the time you need to recharge and come back stronger

• Learning & Development - Company-sponsored training, courses, and professional certifications

• Hybrid Work Arrangement - Enjoy the flexibility of working both remotely and from the office

• Career Growth - Work closely with experienced leaders and take on meaningful ownership as we scale

• Employee Perks - Enjoy exclusive discounts, partnerships, and lifestyle perks

• Collaborative & High-Ownership Culture - Work with smart, driven people in cross-functional teams, take ownership, and make a meaningful impact for our users