Payments Product Analyst

What You'll Do

• Own the investigation lifecycle: take signals (high NSF rate, reconciliation gap, auth rate drop) from definition through root-cause analysis to a written recommendation, coordinating with analytics, revenue, and support teams.
• Connect data and context: frame questions with the analytics team, then gather qualitative context from revenue and support teams; work directly with carrier partner teams.
• Go deep on every opportunity: independently analyze revenue impact, root cause, and urgency using AI tooling and judgment.
• Produce intelligence artifacts: create documents covering the problem, why it's happening, recommended actions, and value.
• Partner with the product team: translate findings into prioritized opportunities; help maintain and shape the opportunity backlog.

Who You Are

• Payments-fluent: understand ACH return codes, reconciliation issues, retry logic, and chargeback lifecycles.
• Investigative by nature: dig into discrepancies and trace issues across complex, multi-party payment flows.
• Clear communicator: comfortable owning external relationships with partners' finance teams and coordinating across internal stakeholders.
• Process-minded: identify manual work and systematize/document it; turn fragmented data into executive-ready views.
• Experienced: 3+ years in payment analysis, payment operations, or financial reconciliation (ideally at a payments company, SaaS platform, or fintech).
• Self-directed: thrive with ownership and autonomy; manage multiple workstreams from daily reconciliation to longer-term optimization projects.