Company Overview

The organisation operates within the digital payments and financial technology sector, providing technology-based solutions that support electronic transactions, payment connectivity and financial service delivery.

Its operational environment involves payment gateways, transaction processing systems, financial institutions and payment service providers. The organisation focuses on improving transaction performance, reducing processing interruptions and supporting reliable payment experiences through data analysis and technology optimisation.

Role Summary

The Payment Routing & Transaction Optimisation Analyst will analyse payment transaction flows and support the optimisation of routing strategies across connected payment processors and financial service providers.

The role involves examining transaction success rates, identifying processing bottlenecks, investigating declined payments and evaluating the performance of different payment routes. The successful candidate will collaborate with payment engineers, operations specialists and product teams to improve transaction efficiency and strengthen payment processing performance.

This position requires strong analytical capabilities, an understanding of payment infrastructure and the ability to translate transaction data into practical operational recommendations.

Key Responsibilities

• Analyse payment transaction flows across connected processors, gateways and financial institutions.

• Monitor transaction approval rates, decline patterns, processing delays and payment completion performance.

• Evaluate the effectiveness of existing payment routing configurations.

• Identify opportunities to improve transaction success rates through data-driven routing recommendations.

• Investigate payment failures and determine whether issues originate from processors, issuers, gateways or technical integrations.

• Prepare regular performance reports covering transaction volumes, routing outcomes and payment processing efficiency.

• Work with payment engineering teams to evaluate routing configuration changes and optimisation opportunities.

• Analyse transaction performance across different payment methods, currencies, markets and processing channels.

• Support the investigation of payment latency, timeout errors and processing interruptions.

• Monitor payment provider performance and identify recurring service quality concerns.

• Assist with testing new routing rules and payment processing configurations.

• Maintain documentation covering routing logic, performance indicators and analytical findings.

• Collaborate with product teams to identify improvements in payment conversion and customer payment experiences.

• Support the development of monitoring dashboards and transaction performance indicators.

• Recommend improvements to reduce unnecessary payment retries, processing costs and avoidable transaction failures.

• Ensure that analytical activities follow established data governance and information security procedures.

Requirements and Qualifications

• Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Computer Science or a related discipline.

• Experience in payment analytics, transaction processing, financial technology or payment operations.

• Strong understanding of payment gateways, payment processors and electronic transaction workflows.

• Knowledge of payment authorisation, transaction routing, settlement and decline management.

• Proficiency in SQL and Microsoft Excel for transaction analysis and reporting.

• Familiarity with Python, business intelligence platforms or data visualisation tools is an advantage.

• Ability to interpret large transaction datasets and identify meaningful performance patterns.

• Understanding of payment performance indicators, including approval rates, decline rates and processing latency.

• Strong numerical reasoning and problem-solving capabilities.

• Ability to communicate technical findings and operational recommendations clearly.

• Good organisational skills and attention to detail.

• Ability to collaborate with engineering, product and operations teams in a remote working environment.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to work on payment optimisation and transaction performance projects.

• Exposure to payment gateways, processing networks and financial technology infrastructure.

• Professional development in payment analytics, transaction engineering and financial data analysis.

• Collaboration with experienced payment technology and engineering professionals.

• Opportunity to contribute to improvements in payment reliability and transaction efficiency.

• Supportive working environment with opportunities for long-term professional development.

Application Instructions

Interested applicants should submit an updated CV outlining their experience in payment processing, transaction analytics, payment operations or financial technology. Candidates should highlight their knowledge of payment routing, transaction monitoring, SQL, data analysis and performance optimisation.

Are you interested in this position?

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