Syed Tayab

Senior Payments & Reconciliation Analyst with over 9 years of experience in fintech, ecommerce, and financial services. Expertise in managing the end-to-end payment lifecycle, including payment reconciliation, settlements, merchant payouts, chargebacks, refunds, general ledger (GL) reconciliation, and banking operations. Proven track record of handling high-volume transaction processing, strengthening financial controls, driving process automation, and performing root cause analysis (RCA).

Skilled in minimizing reconciliation breaks, improving operational efficiency, and ensuring audit-compliant financial reporting across multi-currency and cross-border payment systems.

Senior Analyst - Payments & Reconciliation - ACL Digital (Client: eBay) - Bengaluru

(2025-12)

• Manage end-to-end reconciliation of the complete eBay payment lifecycle, including payment authorization, capture, Settlement, seller payouts, refunds, chargebacks, and GL postings.
• Perform daily reconciliation across payment processors, acquiring banks, merchant accounts, internal ledgers, and ERP/GL systems.
• Reconcile high-volume, multi-currency, and cross-border transactions while ensuring financial accuracy and data integrity.
• Investigate Settlement variances, duplicate transactions, funding delays, FX differences, and posting discrepancies.
• Analyze reconciliation breaks involving failed authorizations, partial settlements, refunds, reversals, chargebacks, and payment gateway discrepancies, ensuring timely resolution.
• Collaborate with Product, Engineering, Finance, Treasury, Risk, and Banking teams to resolve financial discrepancies and improve reconciliation processes.
• Validate seller payouts, commissions, marketplace fees, taxes, shipping charges, promotional adjustments, and reserve balances before Settlement.
• Ensure compliance with SOX controls, audit requirements, financial policies, and operational SLAs.

Senior Reconciliation Analyst - CRED | Dreamplug Technologies Pvt Ltd - Bengaluru

(2023-03 - 2025-12)

• Managed daily reconciliation for high-volume payment products, including UPI, BBPS, Credit Cards, Wallets, Rent Payments, Insurance, E-Challan, and Digital Lending.
• Performed end-to-end Reconciliation on across internal systems, payment gateways, banking partners, and Settlement platforms.
• Investigated Settlement mismatches, failed transactions, and Reconciliation on exceptions while coordinating with Product, Finance, Engineering, Banking, and Payment Gateway teams.
• Conducted Root Cause Analysis (RCA) to identify Reconciliation on issues and implement preventive solutions.
• Led reconciliation automation initiatives that significantly reduce manual effort and improved processing efficiency, and enhanced reconciliation accuracy.
• Designed and implemented automated settlement file ingestion and reconciliation on workflows.
• Standardized reconciliation file formats with banking partners and payment gateway, improving operational efficiency and reducing processing errors.
• Supported UAT, new product launches, partner integrations, and system migration activities.
• Consistently met Reconciliation on SLAs while improving Settlement accuracy and operational performance.

Accounts Executive - QFI Technologies Pvt Ltd (NIRO) - Bengaluru

(2021-10 - 2023-03)

• Managed Accounts Payable, Accounts Receivable, and General Ledger activities.
• Performed daily bank, vendor, and customer reconciliations.
• Prepared journal entries, trial balances, and month-end closing reports.
• Managed GST, TDS, PF, PT, and ESI statutory compliance.
• Supported internal and statutory audits by preparing reconciliation schedules, financial reports and audit documentation.
• Coordinated with vendors and business teams to resolve invoice and payment discrepancies.

Reconciliation Analyst - Naksh People Search (Client: CRED) - Bengaluru

(2021-03 - 2021-09)

• Executed daily Reconciliation across multiple payment products and financial systems.
• Generated MIS reports and managed Reconciliation files using AWS S3.
• Investigated reconciliation exceptions and resolved discrepancies within SLA timelines.
• Maintained high reconciliation accuracy while supporting daily Settlement Operations.

Executive – Business Finance - InCred Financial Services (Qbera Acquisition) - Bengaluru

(2020-04 - 2021-03)

• Managed vendor invoice processing and Accounts Payable Operations.
• Reconciled vendor statements and processed payment requests.
• Assisted month-end closing and financial reporting.
• Maintained accounting records and internal financial controls.
• Supported financial data migration activities during business acquisition, ensuring data accuracy and continuity.

Accounts Associate - ANT Creditex Technologies Pvt Ltd. (QBERA) - Bengaluru

(2018-07 - 2020-03)

• Managed Accounts Payable, Accounts Receivable, and General Ledger accounting activities.
• Performed daily bank reconciliation, vendor reconciliation, and payment monitoring.
• Processed vendor invoices, journal entries, expense postings, and accounting transactions using Tally ERP 9. Ensured accuracy and compliance in financial records.

Accounts Process Executive - Greet Technologies Pvt Ltd. - Bengaluru

(2016-10 - 2018-07)

• Provided accounting process support for Tally ERP users.
• Assisted customers with accounting, payroll, inventory, GST, vouchers, and financial reporting.
• Maintained comprehensive documentation and ensured adherence to service quality standards and operational procedures.
• Awarded Star Performer of the Month (February 2017) for outstanding customer service and operational excellence.

Bachelor of Commerce (B.Com.) - Accounting & Finance - HKBK Degree College (2016)