Payment Operations Specialist

About the role

Capchase, a fintech platform for financing hardware and software equipment, is looking for a highly analytical, detail-oriented and proactive Payment Operations Specialist. Payment Operations sits at the centre of the business, covering deal origination, approvals, funding and customer repayments, and the specialist will own critical daily operations while helping build smarter, more scalable processes.

Key responsibilities

• Review, validate and deploy approved deals, checking financial details, documentation, payment schedules and approvals.
• Execute and monitor vendor payouts, customer collections, refunds and other money movements across payment rails and currencies.
• Perform daily cash and payment reconciliations, investigate discrepancies and resolve failed, returned, duplicate or misapplied transactions.
• Manage time-sensitive priorities independently while meeting banking deadlines.
• Challenge unusual transactions, inconsistent information or suspicious payment instructions before processing.
• Investigate operational issues and platform bugs, identify root causes and drive resolution.
• Build an understanding of the platform and the end-to-end transaction lifecycle, and identify ways to simplify, automate and scale workflows, including with AI agents and automation.
• Partner with Product and Engineering to improve platform functionality and operational controls.
• Work with Finance, Capital Markets, Risk, Collections and Customer Operations, communicate blockers and risks, and support reporting and month-end reconciliations.

Required profile

• 2+ years of experience in operations, payments, treasury or another analytical, execution-focused role, ideally in a fast-paced environment.
• Strong attention to detail, critical thinking and analytical problem-solving skills.
• Curiosity, a systems mindset, strong ownership and independence.
• Excellent communication skills and ability to collaborate across teams.
• Fluent written and spoken English; availability to work US Eastern/Central business hours.
• Nice to have: fintech, lending, banking or B2B payments experience; Spanish fluency.

Required skills

• Comfort with technology, including Excel/Google Sheets, new platforms and an interest in AI tools and automation.
• Familiarity with US payment rails such as ACH and wire transfers, or comparable systems.
• Nice to have: SQL, BI tools, scripting or automation platforms, and experience with AI agents or automation tools.