Lead Data Analyst, Payments Platform
Lead payments analytics for a fintech company, optimizing transaction costs vs. success rates across ACH and card rails. Requires 7+ years in payments/fintech, advanced SQL, and deep knowledge of payment mechanics.
About the job
What you’ll be doing
- Analyze the tradeoff between transaction costs and success rates across ACH and card rails, and develop recommendations to improve both
- Investigate payment failure patterns by institution, response code, and payment method — forming hypotheses, validating them in data, and driving remediations with Engineering, Product and Operations
- Evaluate payment routing and collection strategies and size the impact of new configurations or vendor capabilities
- Assess retry logic for cost and member experience implications and recommend smarter approaches
- Build and refine alerting to detect payment anomalies quickly — unusual return rate spikes, processing failures, or unexpected changes in transaction behavior
- Collaborate with Data Science to support the deployment and ongoing evaluation of predictive models that inform collection timing and payment decisions
- Build monitoring dashboards to track model performance post-launch and surface when adjustments are needed
- Translate model outputs into business-legible insights for stakeholders across product, finance, and leadership
What you have
- 7+ years of experience in payments analytics, payment operations, or a closely related role in fintech, banking, or financial services
- Advanced SQL — you write complex queries from scratch and are comfortable maintaining data models
- Strong working knowledge of ACH, card networks, and payment processing mechanics — including return codes, retry logic, and settlement timing
- Experience partnering with or supporting Data Science teams — you can evaluate model outputs, understand their limitations, and translate them into business decisions
- Sharp investigative instincts — you can spot an anomaly in payment data, form a hypothesis, and see it through to resolution
- Comfortable in a fast-paced, cross-functional environment where ownership is expected and priorities evolve
- Familiarity with NACHA return rate requirements, AML, or other fintech compliance standards is a plus
Skills
SQL, Ach, Card Networks, Payment Processing, Return Codes, Retry Logic, Settlement Timing, Data Science Collaboration, Predictive Models, Dashboarding
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