Payments Analyst

The role

The Payments Analyst will own authorization rate analysis, cost of acceptance, and local payment method strategy. This person will manage retry and dunning strategies, dispute rates, and reconciliation between processor data and the revenue ledger.

What you will do

• Own authorization rate end to end by country, issuer, BIN, card brand, funding type, plan price point, and payment method
• Build and maintain the decline taxonomy
• Own the blended take rate and its decomposition
• Size the case for new rails market by market
• Model merchant-of-record and local-acquiring arrangements
• Design and read experiments with the product analytics team
• Own the retry and dunning strategy
• Quantify involuntary churn separately from voluntary
• Track the health of stored credentials
• Own dispute and chargeback rates and reconcile processor data to the revenue ledger

Required qualifications

• 2+ years in payments analytics, payment operations, billing, or risk at a merchant, PSP, acquirer, or fintech
• Fluency in authorization vs capture vs settlement, decline codes, 3DS and SCA, network tokens and account updater, interchange and scheme fees, chargeback lifecycle, MCC, BIN, cross-border and DCC
• Strong SQL
• Python at working level for analysis
• Comfort with subscription billing specifically: renewals, proration, plan changes, failed payments, dunning, involuntary churn
• Commercial judgment
• Clear written and spoken English, B2+

Nice to have

• Payment operations or payments analytics at a consumer subscription, marketplace or gaming company
• Analysts from PSPs, acquirers, orchestration platforms or card networks
• Billing / revenue operations analysts who owned dunning and involuntary churn
• Risk or chargeback analysts who moved toward the acceptance side

Benefits

• Competitive salary in USD
• Equity: participation in the company's stock option program
• Relocation support (flight + temporary housing)
• Flat structure
• High autonomy
• Fast career growth

Before you apply

• Screening call (30 min)
• Hiring-manager screen (30 min)
• Business case (1 hour)
• Take-home with real-shaped data (7 days, ~10–12 hours of work)
• Team interview (60 min)

About the company

Higgsfield AI is a generative AI company building at the frontier of AI-powered video creation and next-generation creative tools.