Payment Specialist

AVAFIN

We're an international fintech group established in 2012, boasting 400 employees worldwide. We utilize innovative financial technology to provide convenient loan products across five markets: Poland, Spain, Mexico, Czechia, and Latvia. At AvaFin, we prioritize convenience, transparency, and personalized customer experiences, aiming to empower users with easy and swift access to funds at competitive rates.

In 2024, AvaFin became a subsidiary of Capitec Bank, South Africa's largest retail bank with over 22 million active clients. This acquisition is part of Capitec's internationalization strategy, aiming to expand its presence beyond the domestic market.

THE OPERATIONS TEAM

SCOPE OF THE ROLE

The Payment Specialist reports directly to the Customer Service Manager and is responsible for ensuring the financial integrity of daily operations. Their mission is to ensure that everything related to customer payments and collections is correctly identified, allocated, and reconciled. This role acts as the technical expert in payment gateways, direct debit management, allocation of payment files to external companies, and as the liaison with the Finance department for balance and refund management.

MAIN RESPONSABILITIES

• What you'll actually do
• Be the technical point of contact with our payment gateways: managing incidents, analyzing success-rate variations, and spotting opportunities for improvement.
• Keep our card invalidation scheduler active and up to date.
• Monitor the failed payments dashboard, catching anomalies before they become bigger issues.
• Process bank files reconciling them with our internal system.
• Handle special cases: blocked/frozen cards, expired 3DS validations, overpayments, small residual balances, and chargebacks.
• Run mass payment allocation processes and apply our current collection strategy.
• What we're looking for
• Advanced English.
• Previous experience in financial/accounting systems or payments back office.
• Familiarity with API technologies and processes (no coding required, but you should understand the logic).
• Knowledge of the Spain/EU payments landscape: bank files, card transactions, payment gateways.
• ¿ What we offer
• Private health insurance
• ¿ Wellhub (gym & wellness benefit)
• ¿ Flex-schedule: 37h working hours M-F and 2-3 hours on Saturdays.
• Hybrid model — up to 50% remote after initial training
• Team events, afterworks, and team-building activities
• Ongoing professional development in a growing international fintech