Analyst Operations Settlement

Job Objective:

To manage and monitor the day-to-day operations of stc pay Bahrain's self-service kiosk network, ensuring kiosks are available and operating properly, all kiosk transactions are accurately reconciled and settled, and kiosk processes and procedures are continuously improved.

Job Specifications:

• Manage the day-to-day operations of stc pay kiosks and follow up on all related operational activities.
• Monitor kiosk performance and availability across all kiosk services (add money, charity, Fawateer and international transfers), ensuring machines are operational at all times.
• Identify and report any kiosk abnormalities, malfunctions or service disruptions, and escalate to the relevant teams and vendors for timely resolution.
• Perform daily reconciliation of kiosk transactions against stc pay system records, acquirer merchant statements, cash collections and bank statements.
• Perform and monitor settlement activities, ensuring all kiosk amounts are settled accurately and within agreed timelines, and follow up on any unsettled or delayed items.
• Investigate reconciliation discrepancies, failed, reversed or unapplied transactions and related customer complaints, and coordinate with the relevant parties to resolve them.
• Coordinate with kiosk vendors, the acquiring partner, IT, Finance and Customer Care on operational issues, maintenance, cash handling and service level adherence.
• Participate in the testing of new kiosk services, software releases, system integrations and fixes prior to go-live, and document test results and issues.
• Visit kiosk locations from time to time as needed to inspect machine condition, placement and branding, and to support on-site issue resolution.
• Review existing kiosk operational processes and procedures, identify gaps and suggest enhancements to improve efficiency, controls and customer experience.
• Prepare regular kiosk performance, reconciliation and settlement reports for management, and support Finance in the month-end close.
• Ensure kiosk operations comply with internal policies, controls and applicable CBB requirements, and support the rollout of new kiosk locations.
• Perform other duties as requested.

Qualification & Experience:

• Bachelor’s degree in Business, Information Technology or Fintech from a recognised university, with a strong interest in fintech and digital payments.
• Min of 1 to 3 years of experience in payments, fintech or banking operations, preferably in kiosk or self-service channel operations, reconciliation or settlement.
• Fluency in Arabic & English