Payment Analyst

Accountabilities: Take diagnostic ownership of checkout and payment funnel health , proactively identifying alerts, anomalies, insights, and defects before they become business-critical. Lead root-cause investigations into funnel drop-offs and payment declines, distinguishing technical or engineering issues from user-behavior patterns. Analyze authorization rates, decline codes, payment performance, and other funnel metrics to identify the highest-impact bottlenecks and improvement opportunities. Investigate performance across multiple payment service providers and identify differences, outages, or recurring issues requiring attention. Support regular funnel reporting for cross-functional stakeholders, translating payment data into clear insights and recommendations that can improve authorization rates and conversion. Partner closely with Product, Engineering, Data Science, and Fraud teams to investigate payment issues, processor outages, and other funnel-related challenges. Communicate technical and analytical findings clearly to stakeholders who may not have deep payments expertise. Build and improve dashboards, alerts, reporting, and diagnostic processes that increase visibility into payment funnel performance. Develop into a trusted point of contact for payment funnel health , helping establish best practices within the broader team. Work proactively in an evolving environment, creating practical solutions from first principles where established processes or playbooks do not yet exist. Requirements: Hands-on understanding of payment funnels and payment operations , including concepts such as interchange, decline codes, foreign exchange (FX), tokenization, 3DS, and fraud fundamentals. Demonstrated experience performing root-cause analysis on funnel drop-offs, declines, or payment performance issues, including distinguishing technical causes from behavioral patterns. Ability to analyze complex data and customer-behavior insights and communicate findings clearly to audiences without extensive technical or payments expertise. Strong investigative mindset, with the initiative to independently identify and explore issues rather than waiting for predefined tasks. Comfortable working in ambiguous, fast-changing environments where processes and playbooks may still be developing. Nice to have: Familiarity with self-service BI and dashboarding tools to accelerate independent analysis. Nice to have: Strong SQL skills for conducting independent investigations and data analysis. Nice to have: Experience working in a high-growth or rapidly evolving organization. Nice to have: Experience comparing payment performance across multiple PSPs. Strong English communication skills, as English is the primary working language in the international team. Benefits: Competitive salary: €40,000–€60,000 per year, with compensation potentially varying according to experience and seniority. Employee stock options: Opportunity to participate in an employee stock options program. Performance incentives: Access to various bonus programs, including performance-based and referral bonuses. Additional paid leave: Opportunities to earn additional paid time off through applicable bonus programs. Learning budget: Personal budget dedicated to professional development and learning. Paid volunteering: Opportunities to participate in volunteering activities during paid working time. Flexible work location: Choose between office-based and remote work, with opportunities to combine work and travel. International environment: Work in a global team where English is the primary business language. Career development: Strong opportunities for personal and professional growth supported by structured feedback and promotion processes. High-impact role: Help scale a fast-growing international marketplace while directly contributing to payment performance, customer conversion, and business growth. Autonomy and ownership: Join a newly formed function where you can help establish processes, tools, and ways of working from the ground up.