 Manage end-to-end Terminal Identification (TID) procurement, onboarding, tracker maintenance, and coordinate with banks/processors to lower Turnaround Time (TAT).  Develop, nurture, and maintain strong relationships with partner banks, networks, and payment processors to resolve ad-hoc issues and negotiate commercial terms.  Monitor transaction success rates across Cards, Net-Banking, and NACH payment rails, regularly analyzing data to debug failure anomalies and drive performance improvements.  Plan and refine dynamic routing logic to improve transaction conversion rates, reduce processing costs, and address downtime events in real time.  Identify operational processes requiring technological intervention and collaborate with internal/external business and technical teams on implementation.  Manage business reporting, ad-hoc data requests, and performance dashboards using Excel and SQL.  Collaborate with internal Customer Support teams to handle payment transaction escalations and deliver prompt resolution to customers.  Work closely with the finance team to drive payment reconciliations and execute required operational corrections.  Spearhead payment integrations, partner onboarding, and go-live initiatives in coordination with cross-functional teams.  Achieve operational success metrics including reduced TID TAT, sustained success rate lifts, routing cost savings, and zero missed downtime alerts.  Experience: 3–6 years of Banking Operations / BizOps experience in Payment Gateway (PG) or Fintech.  Technical Skills: Basic SQL, Advanced Excel/Google Sheets, and Python (Good to Have).  Domain Pre-requisites: Solid understanding of PG products, terminal workflows, bank pricing, and payment failure metrics.  Soft Skills & Flexibility: Strong banking relationship management, clear communication, and willingness to work flexible hours. PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles) Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy Our inclusive culture promotes individual expression, creativity, innovation, and achievement and in turn helps us better understand and serve our customers. We see ourselves as a place for intellectual curiosity, ideas and debates, where diverse perspectives lead to deeper understanding and better quality results. PhonePe is an equal opportunity employer and is committed to treating all its employees and job applicants equally; regardless of gender, sexual preference, religion, race, color or disability. If you have a disability or special need that requires assistance or reasonable accommodation, during the application and hiring process, including support for the interview or onboarding process, please fill out this form. Read more about PhonePe on our blog. Life at PhonePe PhonePe in the news