Senior Payment Analyst

StellarTech is looking for a Payment Analyst to strengthen our Payments function. You will be fully focused on the analytical foundation of our global payment operations — driving improvements in approval rates, reducing declines and friction, and enhancing routing strategies through data.

You will work with large volumes of transaction data to build clear, actionable insights across all stages of the payment lifecycle. Your core responsibility will be to build reports to monitor key payment metrics, identify root causes behind inefficiencies, and proactively suggest optimizations to increase payment performance and user conversion.

This role requires a detail-oriented and metrics-driven professional with a deep understanding of the payment ecosystem, who will work closely with the Payments team to shape and optimize a world-class payment infrastructure through data.

What You’ll Do

• - Develop and maintain dashboards and reporting tools to monitor key payment metrics such as approval rates, decline reasons, retry success rates, and payment method distribution across geographies.

• - Work with customer segments and behavioral data to identify opportunities to enhance approval rates, reduce friction, and balance risk across different user profiles and markets.

• - Analyze the effectiveness of payment orchestration and routing logic, including cascading rules, acquirer prioritization, and fallback strategies; propose optimizations to improve performance and resilience.

• - Partner with Product, Engineering, and the broader Payments team to design and validate routing experiments, A/B tests, and data-driven initiatives aimed at optimizing the end-to-end payment experience.

• Build and maintain alerting systems to detect anomalies or significant deviations in payment behavior, ensuring quick resolution of issues that impact revenue or customer satisfaction.

What We’re Looking For

•  - Payment Data Analysis: Deep understanding of payment lifecycle metrics such as approval/decline rates, retry logic, conversion funnels, chargeback and fraud rates, difference in CIT and MIT transactions.

• - Technical Proficiency: Strong expertise in analytics tools (Tableau, SuperSet, etc.)and SQL/NoSQL databases.

•  - Advanced SQL skills for complex queries, performance tuning, and transaction-safe data manipulation.

• - Proficiency with AWS Athena for querying large datasets in S3 using optimized, cost-effective practices.

• - Strong RDBMS knowledge including schema design, indexing, and handling transactional payment data

• - Cohort Analysis: Deep understanding of cohort analysis techniques to track user payment behavior over time, assess retention-impacting payment issues, and compare performance across customer segments

• - Segmented Performance Analysis: Ability to break down payment performance by user segments to identify localized bottlenecks or opportunities.

• - Experimentation & A/B Testing: Experience designing and analyzing experiments (e.g., routing logic changes, retry strategies) to measure impact on key payment metrics.

• - Business-Oriented Thinking: ability to connect analytical work with broader business outcomes — understanding how data impacts approval rates, revenue, and customer experience.

• - Collaboration & Cross-Functionality: comfortable working across teams (e.g., Marketing, Monetization, Engineering, Finance,Customer Care), fostering shared understanding and collective problem-solving.

Nice to have:

• - Experience with Online Subscription Business Models – Knowledge of recurring revenue dynamics, churn management, and retention strategies, along with an understanding of key metrics (e.g., LTV, MRR) crucial for sustainable subscription growth.

• - Machine Learning for Payments: Experience applying machine learning techniques to build predictive models for intelligent payment routing and fraud risk scoring.

• - External Communication: ability to clearly articulate technical and performance issues, collaborate on investigations, and drive resolution while maintaining productive, professional relationships.