Lead Data Analyst, Payments Platform

- 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

- 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

The anticipated annual base salary for this position is $150,000 - $170,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below). The actual base salary offered depends on a variety of factors, which may include as applicable, the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job.