# Payments Product Analyst

**Company:** [Bestow](https://hotfix.jobs/companies/bestow)
**Location:** Remote
**Role:** Data Analytics
**Salary:** $99k – $116k/yr
**Experience:** 3+ years
**Skills:** Payments Analysis, Payment Operations, Financial Reconciliation, Ach Processing, Chargeback Management, Root Cause Analysis, Data Analysis, Business Case Development, Stakeholder Management, Process Documentation
**Posted:** 2026-06-04

> Own payments excellence by investigating signals like NSF rates and reconciliation gaps, conducting root-cause analysis, and producing prioritized recommendations that drive revenue and efficiency. Requires 3+ years in payment analysis or fintech operations.

## Job Description

## 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.

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