Payment Operations Analyst

About us

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect, manage and send bank payments through Direct Debit, real-time payments and open banking. With US$130bn+ processed annually across 30+ countries, we handle recurring and one-off payments without the chasing, stress, or expensive fees. Our end-to-end payment platform also features AI-powered solutions to improve payment success and reduce fraud, alongside connections to over 350 platforms businesses use everyday.

We are headquartered in the UK, with teams and operations spanning North America, Europe and Asia-Pacific.

The Role

You will be responsible for the day to day running of our critical payment processes across the world. Payment Operations is a core part of GoCardless, ensuring money gets from A to B every day.

What excites you

• Ensuring timely, accurate and compliant payment processing and taking care of any manual interventions required
• Being responsible for reconciling our transaction movements to our bank account statements ensuring any anomalies are reported promptly
• Reviewing, processing and where appropriate challenging chargebacks, including evidence gathering and manual submission
• Responding to tickets and ad-hoc queries from internal stakeholders about payment statuses
• Interacting with a number of different teams globally such as Customer Support, Risk and Compliance, Product and Engineering, to tackle our account reconciliations and customers' payment queries
• Interacting also with external parties such as banks and suppliers to resolve issues
• Raise, participate in and lead incidents that affect payment processing and/or reconciliation, ensuring no breaches of our customer, banking partner, scheme or regulatory commitments

This is an opportunity to get an excellent understanding of the payments industry and to build your knowledge of bank payments across the world. You will learn how to navigate issues and bring them to resolution while being trained and supported by our growing Operations team in Riga.

What excites us

• Exceptional attention to detail
• Curiousness to learn and courage to ask questions
• Ability to prioritise multiple tasks and switch between them effortlessly
• Sense of ownership and desire to proactively fix problems when they occurs
• Excellent English written and verbal communication skills
• Strong analytical skills and ability to identify where improvements are needed

We don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply.

Base salary range: 22,400 EUR - 33,600 EUR

Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

(some of) The good stuff

• Wellbeing - stay healthy with dedicated support and medical cover
• Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period
• Adaptive Working - allows you to work flexibly, around your lifestyle
• Parental leave - to suit everyone embarking on life's great adventure
• Learning Budget - lead your own development with an annual learning budget
• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

Life at GoCardless

We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.

Diversity & Inclusion

As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices.

To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as:

Asian, Black, Mixed or Other — 25%

Neurodiverse — 9%

LGBTQIA+ — 9%

Disabled — 1%

Average age — 33

Female — 45%

Male —  55%

We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support.

If you want to learn more, you can read about our Employee Resource Groups and objectives here

Sustainability

We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here.

Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.