Lead Data Analyst, Payments Platform

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