Payment Operations Analyst

Accountabilities:

• Take ownership of checkout funnel health by identifying emerging issues, surfacing defects, and developing alerts and insights before they become business-critical.

• Lead root-cause investigations into payment funnel drop-offs and declining authorization rates, distinguishing technical issues from user behavior patterns.

• Analyze authorization rates, decline codes, and performance across multiple payment service providers (PSPs) to identify bottlenecks and prioritize improvements.

• Investigate payment performance issues, including processor outages and disruptions across different stages of the checkout journey.

• Develop and maintain reporting, dashboards, and alerts that provide reliable visibility into payment funnel performance.

• Support regular reporting to cross-functional teams, translating payment data and customer behavior insights into clear recommendations.

• Partner with Product, Engineering, Data Science, and Fraud teams to diagnose issues, coordinate investigations, and drive measurable improvements in authorization rates and conversion.

• Communicate technical findings and business impact clearly to stakeholders without specialist payments knowledge.

• Help establish and improve the team's diagnostic processes, contributing practical solutions and developing into a trusted point of contact for payment funnel health.

Requirements:

• Hands-on experience working with payment funnels in a complex, multi-provider environment.

• Strong understanding of payment concepts and processes, including interchange, decline codes, foreign exchange (FX), tokenization, 3D Secure (3DS), and fraud fundamentals.

• Demonstrated experience conducting root-cause analysis of payment funnel drop-offs, authorization declines, and performance patterns, with the ability to distinguish technical causes from behavioral factors.

• Strong SQL skills and the ability to independently investigate payment data and identify meaningful trends.

• Ability to interpret complex technical findings and customer behavior insights and communicate them clearly to non-technical stakeholders.

• Practical understanding of payment service provider performance and the factors affecting authorization and conversion.

• Familiarity with self-service business intelligence (BI) or dashboarding tools is an advantage.

• Experience conducting comparative analysis across multiple payment service providers is beneficial.

• Ability to work effectively in ambiguous, fast-changing, or high-growth environments without relying on fully established processes.

• A proactive, independent approach to problem-solving, with the initiative to investigate issues, test ideas, and develop solutions.

• Strong communication and collaboration skills, particularly when working with cross-functional teams.

• Good English communication skills are required; professional fluency is preferred.

Benefits:

• Annual salary range of €40,000–€60,000, depending on experience and role scope.

• Opportunity to participate in an Employee Stock Options program.

• Performance-based and referral bonus opportunities.

• Additional paid leave and a personal learning budget through various bonus programs.

• Paid volunteering opportunities.

• Flexible work location, with options to work remotely, from an office, or while traveling.

• Opportunities to contribute to the growth and development of an international digital product.

• Professional development supported by structured feedback and promotion processes.

• Opportunities for accelerated personal and professional growth within an international team.