Data Analyst (Payments)

As a Payments Data Analyst, you will help optimize the performance of our global payment infrastructure by turning transaction data into actionable insights. You will work closely with Payments, Product, Finance, Risk, and Data teams to identify opportunities for improving payment success rates, reducing costs, and delivering a better customer payment experience.
This role combines analytical thinking with a strong understanding of payment flows. You will investigate payment performance, identify trends and anomalies, evaluate experiments, and help drive data-informed decisions across the payments domain.

Responsibilities:

• Monitor and optimise payments performance, including approval rates, decline patterns, 3DS flows, timeouts, retries and routing rules.

• Analyse and reduce fraud-related declines, collaborate on tuning fraud rules and improving risk thresholds.

• Perform deep-dive analyses to discover patterns, trends and new insights across card schemes, PSPs, BINs, countries and methods.

• Drive actionable outcomes: update routing logic, cascading strategy, risk rules, issuer-specific heuristics and operational configurations.

• Own continuous monitoring: daily health checks, anomaly detection and alerts on key metrics.

• Build dashboards and monitoring tools in Metabase / Amplitude / Tableau

• Prepare clear and actionable analytics reports for internal teams and leadership.

• Evaluate impact of new features, routing changes, ML versions, product experiments and provide data-backed recommendations.

• Work closely with Product, Data, ML, Payments Operations and Fraud teams to design and implement improvements end-to-end.

Requirements

You will thrive if you have…

• Strong advanced SQL (NoSQL, window functions), ability to build metrics properly

• Understanding of PSP behaviour, decline codes, 3DS, issuer logic, routing, tokens, cascading

• Understanding of fraud basics (RDR, chargebacks, rule tuning, risk signals)

• Ability to translate data into clear actions

• Comfortable in a fast-moving, operational environment

• Ownership mindset, strong attention to detail

• Fluency in Python Data Science stack (Jupyter Notebook, Pandas)

Nice-to-haves:

• Knowledge of Russian

• Experience with card schemes / PSPs and issuer-specific patterns

• Hands-on work with 3DS flows, network tokens, or routing optimisation

• Background in fraud prevention (rules, signals, chargebacks)

• Work experience in fintech / high-load transactional products

Conditions

We know that great talent deserves great conditions, so here's what you can expect when joining us:

• EU-based employment contract.

• 42 remote work days

• 21 vacation days/10 days paid sick leave

• Transparent performance reviews twice a year, with bonus opportunities and salary adjustments.

• Private medical insurance for you and your family, a corporate mobile plan (unlimited in Cyprus with roaming included), and interest-free support for car purchases.

• Mindfulness & well-being support, including psychological assistance with 50% coverage.

• 50% coverage of school and kindergarten fees for your children.

• Fully covered sports benefits, and also access to in-house electric scooters and bike rentals, and cycling purchase compensation.

• Investment in your growth: paid language courses and access to suited-for-you development programs, including conferences, training programs, and coaching to support your professional journey.

• A culture of recognition: a peer reward program to celebrate your contributions.

• A fully equipped office in Limassol, with everything you need for deep work and collaboration.

• Free breakfast options at the office, Wolt Allowance,  and an in-house coffee bar with high quality drinks and a health bar stocked with nutritious snacks.

• A strong engineering culture: international teams, corporate events, team buildings, and hackathons—because great work happens in great communities.

Recruitment process:

• HR Interview (40mins)

• Technical interview with the hiring team (1hr)