Overview
This role supports a payments platform handling billions of dollars in payments. The position sits at the intersection of the payments platform, membership, and credit teams, with a focus on optimizing the balance between transaction costs and transaction success rates.
You will join the Data & Analytics team, embedded in Team Money, a cross-functional payments platform team. Day-to-day responsibilities include analyzing payment failure and success patterns (and associated cost drivers), partnering with Data Science on predictive models, and helping Engineering and Product make smarter decisions about how payments are collected.
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 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 (e.g., unusual return rate spikes, processing failures, or 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
- 4–6 years of experience in payments analytics, payment operations, or a closely related role in fintech, banking, or financial services
- Advanced SQL: able 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; able to evaluate model outputs, understand limitations, and translate them into business decisions
- Strong investigative instincts: identify anomalies in payment data, form hypotheses, and drive resolution
- Comfort 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
Compensation & Benefits
Anticipated annual base salary: $125,000 - $155,000
- This range does not include other compensation components or other benefits for which an individual may be eligible.
- Actual base salary offered depends on factors that may include qualifications, years of relevant experience, specific skills, level of education, certifications or other professional licenses, and the location where the applicant lives and/or performs the job.
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
- Equal opportunity employment
Location
Not specified in the provided job description.