Financial Operations Analyst

Grid is a fast-growing company focused on building financial products that help users manage their financial future. They are seeking a Financial Operations Analyst who will own reconciliation processes, expand into payment operations, and manage financial reporting as the company scales.

Responsibilities:

• Reconcile internal ledger records against payment processor statements, bank partner records, and ACH processor reports on a daily and monthly basis
• Identify, investigate, and resolve breaks across disbursement and repayment flows, including ACH and card
• Build scalable reconciliation processes and controls, including documentation, exception workflows, and tooling
• Partner with Engineering to ensure transaction data integrity and support ledger design decisions
• Monitor outbound disbursement and inbound repayment volumes, success rates, and failure trends across all payment rails
• Own exception handling for failed, reversed, or disputed transactions
• Serve as the day-to-day operational point of contact with payment processors and our bank partner
• Support network compliance monitoring, track fines or penalties, and coordinate on escalations with external partners
• Monitor the automated repayment lifecycle and flag exceptions that require manual intervention
• Track and manage charge-off processes
• Coordinate with third-party collection partners as needed
• Work with Engineering and Risk to improve repayment success rates over time
• Manage the end-to-end process for Reg E dispute obligations, including intake, investigation, and resolution within regulatory timelines
• Handle ACH unauthorized return defense and card network chargebacks
• Maintain documentation and reporting to support audit and compliance requirements
• Track and manage the daily cash position across funding accounts
• Monitor reserve obligations and funding account balances
• Contribute to liquidity forecasting as advance volume grows
• Support future credit facility draws and related reporting as the capital structure evolves
• Support month-end close processes and general ledger maintenance
• Contribute to financial reporting for bank partners, investors, and the board of directors
• Assist with revenue recognition and loss provisioning (CECL) as the accounting function matures
• Serve as the primary operational contact for key vendors and partners, including our bank partner, payment processors, ACH provider, identity verification provider, and bank linking provider
• Manage day-to-day relationship logistics, including issue escalation, reporting requirements, and contract obligations
• Coordinate across vendors when transaction issues span multiple providers