AVAFIN

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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 Back Office Supervisor and/or 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 RESPONSIBILITIES

- Maintenance and update of error codes

- Periodically review the error codes received from Paylands and verify them. Add any missing codes in case.





- Consult Paylands whenever there are doubts about whether a code allows a retry or requires permanent invalidation.

- Management of the card invalidation scheduler

- Keep the scheduler that invalidates cards based on error codes active and with a valid date. It stopped working in 2018 due to expiration because no one was supervising it.

- Follow-up and monitoring of the automatic charging process

- Regularly review the failed API payments dashboard to detect anomalies, such as unusual increases in failures.

- Understand the logic behind the payment progression process and monitor the charge success.

- Active collaboration with Paylands

- Maintain direct communication with the provider to manage incidents, justify variations in the success rate, and obtain insights into payment traffic and coordinate paylands.

- Management of special card cases

- Control cards frozen, invalidated and blocked and solve the issues.

- Review cards with potentially expired 3DS validation.

- Management of Norma 43 banking files

- Download and process bank statements from Santander, Caixabank, and other banks and allocate with our internal system.

- Gateway control:



Kineox / Paylands

- Daily monitoring of payments received and monitor CRM.

- Execute file upload processes for the mass allocation of payments and extensions according to the current collection strategy.

- Identify customers who have overpaid and proactively manage the refund or compensation of excess balances.

- Underpaid balances

- Resolve insignificant outstanding debt amounts that block loan closure, applying write-off or adjustment criteria approved by management.

- Refund management: Process transfers returned by the bank
- Chargebacks: Identify loans associated with card chargebacks and adjust.

WHAT WE OFFER

- Private health insurance
- Wellhub (gym benefit)
- Work schedules: 09:00-17:00, occasionally 11:00-19:00 shift will be required, including breaks to support a healthy work-life balance.
- Hybrid working model with up to 50% remote work after completing the initial training period.
- Team events, afterworks and team-building activities throughout the year. xqbhyrx
- Professional development opportunities and continuous learning within a growing international company.
- 30% Salary KPI Bonus per Month

REQUIREMENTS

INTERPERSONAL AND TECHNICAL SKILLS

- Advance English
- Experience in financial / accounting systems and operations
- Experience in API technologies and process
- Familiarity with Spain and EU payments realities (bank files, credit card transactions)

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