AVAFIN

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

📌 Payment Specialist (Barcelona)
🏢 Tamarind Intelligence
📍 Barcelona