Director Finance

Location: Noida Sector 27

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…