Payments Analyst

About Us Pearl is AI for professional services at global scale, combining advanced AI with verified human expertise to deliver help that is accurate, accountable, and fast. Since 2003, our network has connected millions of customers with licensed professionals across 196 countries, making real expertise available anytime, anywhere. Our Values • Data driven: Start with truth, measure what matters. • Courageous: Bias to action; run toward hard problems. • Innovative: Seek novel, elegant solutions. • Lean: Do more with less. Build, ship, learn fast. • Humble: Strong opinions, lightly held. About the Role As a member of the Finance team within a global e-commerce membership organization, the Payments Analyst provides analytical support across payments performance, testing, and process optimization. This role analyzes payment data to identify opportunities for improvement and optimization. Collaborating with cross-functional teams, the Payments Analyst supports testing initiatives, helps improve authorization rates and payment processes, and provides data-driven recommendations that contribute to revenue growth and a better customer experience. This role is intended for someone who can move beyond basic reporting to interpret results, identify meaningful insights, anticipate follow-up questions, and provide actionable recommendations. What You’ll Do • Conduct in-depth payment data analysis to identify patterns, trends, and improvement opportunities • Identify opportunities to optimize payment processes, enhance customer experience, and drive revenue growth • Support testing initiatives through sample sizing, monitoring, and readouts • Partner with cross-functional teams on payment performance and optimization initiatives • Respond to ad-hoc analytical requests and translate findings into clear, actionable insights • Create and maintain dashboards and reporting tools that provide visibility into key payment metrics • Provide data-driven recommendations to improve authorization rates and overall payment performance • Explore practical ways to use AI tools to accelerate analysis, automate repetitive tasks, support testing workflows, and improve reporting What We’re Looking For • 2–4+ years of experience in a highly analytical consumer, marketplace, fintech, or similar data-driven business • Proven track record of delivering actionable insights using data • Strong SQL skills for efficient extraction and analysis of data from complex datasets (must-have) • Strong visualization skills in Power BI (preferred), Tableau, Looker, or similar BI tools • Strong Excel skills • Ability to take ownership of analytical projects and move from data extraction to interpretation, insights, and recommendations • Collaborative mindset and ability to work effectively in cross-functional teams • Experience using AI tools, or strong openness to adopting them in day-to-day analytical work • Nice to have: experience in payments, acquirer/processor/payment gateway environments, or high-risk merchant space • Nice to have: exposure to A/B testing or experimentation Our Commitment to an Inclusive Workplace We welcome people from all backgrounds who seek the opportunity to help build a future where professional services are readily available to all. If you have curiosity, passion, and a collaborative spirit, come work with us. Pearl is committed to an inclusive workplace. Pearl is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, disability, age, or other legally protected status. AI Disclosure & Informed Consent Artificial intelligence (AI) technology may be used during the hiring process to record, transcribe, analyze, and rank interview responses. By submitting your application and participating in the interview process, you acknowledge and consent to the use of AI technology in the hiring process. For more information see our AI Disclosure and Consent Policy . #LI-Remote