Overview
This role sits at the intersection of the payments platform, membership, and credit teams, with a mandate to optimize the balance between transaction costs and transaction success rates. Work in this position directly impacts the organization’s profitability.
You will be part of the Data & Analytics team, embedded in Team Money, a cross-functional payments platform team. Day-to-day focus includes analyzing payment failures and successes, partnering with Data Science on predictive models, and helping Engineering and Product make smarter decisions about how the organization collects.
Responsibilities
- 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; form hypotheses, validate them in data, and drive remediations with Engineering, Product, and Operations
- Evaluate payment routing and collection strategies and estimate the impact of new configurations or vendor capabilities
- Assess retry logic for cost and member experience implications and recommend improved approaches
- Build and refine alerting to detect payment anomalies quickly (e.g., unusual return rate spikes, processing failures, unexpected changes in transaction behavior)
- Collaborate with Data Science to support 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
Requirements
- 7 years of experience in payments analytics, payment operations, or a closely related role in fintech, banking, or financial services
- Advanced SQL: ability to write complex queries from scratch and maintain 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, including evaluating model outputs, understanding limitations, and translating results into business decisions
- Sharp investigative instincts: ability to identify anomalies in payment data, form hypotheses, and drive resolution
- Comfort working in a fast-paced, cross-functional environment with evolving priorities and ownership expectations
- Familiarity with NACHA return rate requirements, AML, or other fintech compliance standards (plus)
Compensation & Benefits
Anticipated annual base salary: $155,000 - $170,000.
- This range does not include other compensation components or other benefits for which an individual may be eligible.
- The actual base salary offered depends on factors including qualifications, years of relevant experience, specific and unique skills, education, certifications or professional licenses held, and the applicant’s location and/or where the job will be performed.
Benefits include:
- Medical, dental, and vision insurance
- Flexible PTO Policy
- 401k plan
- Paid Parental Leave
- Physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support
- Monthly reimbursements to use against wifi and cell phone bills
- Annual reimbursement for Learning & Development
Location
Not specified.