Operation Reporting Lead in London

Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. We're building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We care about quality. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we'd love to hear from youThe roleThe Payments Operations Lead brings Teya's payments and settlement operations together into one reliable, well-controlled capability. Today the operational work behind our outbound payments and merchant settlements is spread across many people and teams, and too much of it falls on our product teams, taking time away from building. You'll own the day-to-day running of payments and settlements, standardise and document the core processes, put the right controls around them, and handle the steady stream of ad hoc issues that come with a fast-growing payments business. You'll work closely with Payments, Product, Finance, Compliance and Customer Operations, and with our banking and payment partners. Reconciliation and the investigation and clearing of breaks. Banking and payment partner relationships, including the service levels we agree with them. Funding and liquidity across our operational accounts, working with Treasury. Testing and running our payment rails, working with our payment specialists. Own the operational relationship with our banking and payment partners: agree service levels, track performance against them, and escalate and resolve issues when partners fall short. Work with Treasury to forecast and manage funding and liquidity across our accounts, so payments and settlements are never held up by an unfunded account. Work with our payment specialists to test and run our payment rails, including new rails, partner changes and scheme updates, before and after they go live. Put the right controls in place and keep them working: maker-checker and approval limits, reconciliation, safeguarding, sanctions screening and Confirmation of Payee on outbound payments, and handling of misdirected and fraudulent payments, working with Finance and Compliance. Be the go-to person for ad hoc and unexpected payment issues: investigate, resolve, and turn recurring problems into repeatable processes. Use AI and automation by default, and build agents for repeatable work such as reconciliation and exception triage, partnering with Product and Engineering where you need them. Track and report operational performance weekly, so issues are caught early and fixed at the root. Service levels agreed and tracked with each key banking and payment partner, and a funding and liquidity routine running with Treasury. No payments or settlements delayed by an unfunded account, and partner performance reviewed against service levels every month. What you'll bringHands-on payments operations experience, including payment schemes such as SEPA, Faster Payments and SWIFT, managing bank and payment partners against service levels, and reconciliation. Experience working with Treasury or Finance on funding and liquidity for operational accounts. A track record of standardising processes while still handling a high volume of ad hoc work. Comfortable with data and spreadsheets, and someone who reaches for automation and AI tools to remove manual effort. Strong stakeholder management across product, finance, compliance and operations teams. Nice to haveExperience at an e-money institution, payment institution or bank. Experience with reconciliation tools or building payment automation. Experience testing or launching a new payment rail or banking partner. The PerksPhysical and mental health support through our partnership with GymPass giving free access to over 1,500 gyms in the UK, 1-1 therapy, meditation sessions, digital fitness, and nutrition appsOur company offers extended and improved maternity and paternity leave choices, giving employees more flexibility and supportCycle-to-Work SchemeHealth and Life InsurancePension Scheme25 days of Annual Leave (+ Bank Holidays)Office snacks every dayFriendly, comfortable, and informal office environment in Central LondonTeya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work.