Director Finance

About the job

Pine Labs is a leading fintech company building technology and financial solutions across payments, commerce and embedded finance for businesses and consumers across the Global South. With a strong presence across multiple markets, Pine Labs enables businesses with digital payments, financial services and commerce solutions, helping them grow and operate more efficiently.

Join us to be part of a fast-paced, innovative fintech environment with opportunities to work on high-impact business and finance initiatives.

The Role

Accounting & Controllership

• Lead end-to-end accounting and financial reporting for payment aggregation, acquiring, issuing, merchant settlements, and fintech products.
• Ensure compliance with Ind AS, IFRS, Companies Act requirements, and internal accounting policies.
• Drive month-end, quarter-end, and year-end financial closure processes.
• Review revenue recognition, settlement accounting, liabilities, merchant payables, escrow balances, and related reconciliations.
• Establish strong financial controls and governance frameworks to support business growth.
• Partner with business, product, and technology teams to evaluate accounting implications of new products and initiatives.

Payments & Settlement Operations

• Own accounting and governance around payment transactions, merchant settlements, MDR revenue, interchange, bank charges, incentives, and refunds.
• Ensure accurate settlement lifecycle management across acquiring banks, payment gateways, networks, merchants, and partners.
• Oversee reconciliation of transaction data across systems, settlement reports, bank statements, and GL.
• Drive resolution of settlement exceptions, breaks, aged open items, and operational risks.
• Build scalable controls around high-volume transaction processing environments.

Regulatory Reporting & Compliance

• Lead regulatory reporting requirements applicable to Payment Aggregators, Payment Gateways, and other regulated fintech businesses.
• Drive compliance with RBI guidelines and reporting obligations.
• Coordinate with compliance, risk, legal, and business teams on regulatory requirements and audits.
• Support implementation and monitoring of regulatory changes and their financial reporting impact.
• Ensure timely and accurate submission of regulatory reports and certifications.

Data Analytics, Automation & Process Transformation

• Lead finance transformation initiatives leveraging automation, analytics, AI, RPA, and advanced reconciliation tools.
• Manage large transaction datasets and derive actionable insights for business and finance leadership.
• Partner with technology teams to automate reconciliation, settlement, reporting, and control processes.
• Drive continuous process improvements resulting in enhanced controls, reduced manual effort, and faster closure cycles.
• Build scalable MIS and dashboarding frameworks for leadership reporting.

Audit & Risk Management

• Act as the primary finance lead for Statutory Audit, Internal Audit, Regulatory Audit, and Special Reviews.
• Manage auditor interactions and closure of audit observations.
• Strengthen financial controls and ensure readiness for regulatory inspections.
• Drive remediation of control gaps and monitor implementation of corrective actions.
• Build a strong culture of compliance, risk awareness, and accountability.

Stakeholder Management

• Partner closely with Finance, Product, Technology, Operations, Risk, Compliance, Legal, and Business teams.
• Present critical financial insights, control assessments, and regulatory updates to senior leadership.
• Support CFO organization in strategic initiatives, governance reviews, and board-level discussions.
• Influence cross-functional teams to deliver finance transformation objectives.

Team Leadership

• Lead, mentor, and develop high-performing finance and controllership teams.
• Build organizational capability in payments accounting, settlements, controls, and analytics.
• Establish performance metrics, career development plans, and succession pipelines.
• Foster a culture of collaboration, innovation, ownership, and continuous improvement.

What matters in this role

Mandatory

• Chartered Accountant (CA).
• 12+ years of post-qualification experience.
• Significant experience in Fintech, Payment Aggregator, Payment Gateway, Banking, Cards, Digital Payments, Wallets, Merchant Acquiring, or Financial Services.
• Strong understanding of payment transaction lifecycle and settlement processes.
• Deep expertise in accounting, controllership, reconciliation, and financial reporting.
• Experience handling RBI-regulated environments and regulatory reporting requirements.
• Strong leadership experience managing large teams and cross-functional stakeholders.

Preferred

• Experience working in large-scale payment processing environments.
• Exposure to escrow management and merchant settlement ecosystems.
• Experience with finance automation, RPA, and reconciliation platforms.
• Knowledge of SQL, Power BI, Tableau, Alteryx, Python, or similar analytical tools.
• Experience with ERP systems such as SAP, Oracle, NetSuite, or similar platforms.

What we value in our people.

• You take the Shot: You decide fast and deliver right

• You are the CEO of what youdo: You show ownership and make things happen.

• You own tomorrow: You build solutions for the merchants and do the right thing.

• You sign your work like an artist: You seek to learn and take pride in the work you do.

• You are the Sherpa: You take people along and act in the interest of Pine Labs.

• You care with tough love: You empower others and help people grow.