Ant International-Senior Data Analyst - Payment Optimization-Antom SG

Ant Group; Singapore; On-site; SGD 90,000 - 150,000; Full time

Job summary

Ant Group's Antom brand in Singapore is seeking a Senior Data Analyst, Payment Optimization, to monitor and improve card payment performance by analyzing transaction data and identifying drivers of approvals and declines.

You will collaborate with risk, product, technology and external partners to design routing, retry logic, 3DS and tokenization solutions, run tests, and present findings to senior leaders.

Qualifications

• Bachelor's degree or above, preferably in statistics, economics, finance, computer science, data science or a related field.
• 5+ years of experience in operations or data analytics, with cross-border or domestic card acquiring experience preferred.
• Working knowledge of the card payment lifecycle, including authentication, authorization, clearing and settlement, and how issuers, acquirers and card schemes interact.
• Strong data analysis skills, including SQL and experience working with large transaction datasets.
• Sound grasp of statistics and experiment design, such as A/B testing.
• A structured approach to problem-solving, strong attention to detail, and the ownership to take initiatives through to implementation.
• Clear written and verbal communication, including presenting analysis to senior stakeholders.
• Fluency in English and Mandarin; Mandarin is needed to work with stakeholders based in China.

Responsibilities

• Monitor authorization rates, decline codes and payment success rates, and trace fluctuations to their root cause by market, issuer, BIN range, card scheme or routing.
• Be accountable for the key indicators of overall card payment performance, and build the dashboards, reporting and automated anomaly alerts used to track them.
• Analyze cross-border and domestic card payment trends to identify and size opportunities to raise authorization rates and reduce processing costs.
• Work with risk, product, technology and other internal teams to turn findings into card payment solutions, using levers such as routing, retry logic, 3DS and tokenization.
• Drive optimization initiatives from analysis through to implementation, including test design (such as A/B tests) and measuring results after launch.
• Present findings and recommendations clearly to technical and non-technical stakeholders, including senior leaders.
• Maintain day-to-day contact with card schemes and payment institutions, and analyze competing card acquiring products.
• Follow developments in card acquiring, including scheme rule changes, and turn optimization and profit growth opportunities in local markets into regional payment solutions.

Skills

SQL

Statistics

Data analysis

Python

R

English

Mandarin

Education

Bachelor's degree or above

Tools

BI tools

Job description

Job description

About AntomAntom is Ant International's merchant payments brand, providing payment processing to businesses worldwide. It supports acquiring in more than 40 markets and gives merchants access to hundreds of local payment methods. Antom's products include Antom Payment Orchestration and Card Revenue Booster for routing and authorization optimization, and Antom Shield for fraud management. This role sits in Antom's Global Acquiring Capability Center in Singapore.

The Senior Data Analyst, Payment Optimization monitors and improves the performance of Antom's card payments. The role analyzes card transaction data to find what drives approvals and declines. It then works with internal teams, card schemes and payment institutions to turn those findings into solutions.

Performance monitoring and analysis

• Monitor authorization rates, decline codes and payment success rates, and trace fluctuations to their root cause by market, issuer, BIN range, card scheme or routing.
• Be accountable for the key indicators of overall card payment performance, and build the dashboards, reporting and automated anomaly alerts used to track them.
• Analyze cross-border and domestic card payment trends to identify and size opportunities to raise authorization rates and reduce processing costs.

Optimization and delivery

• Work with risk, product, technology and other internal teams to turn findings into card payment solutions, using levers such as routing, retry logic, 3DS and tokenization.
• Drive optimization initiatives from analysis through to implementation, including test design (such as A/B tests) and measuring results after launch.
• Present findings and recommendations clearly to technical and non-technical stakeholders, including senior leaders.

Industry and partner engagement

• Maintain day-to-day contact with card schemes and payment institutions, and analyze competing card acquiring products.
• Follow developments in card acquiring, including scheme rule changes, and turn optimization and profit growth opportunities in local markets into regional payment solutions.

Job Requirement

• Bachelor's degree or above, preferably in statistics, economics, finance, computer science, data science or a related field.
• 5+ years of experience in operations or data analytics, with cross-border or domestic card acquiring experience preferred.
• Working knowledge of the card payment lifecycle, including authentication, authorization, clearing and settlement, and how issuers, acquirers and card schemesinteract.
• Strong data analysis skills, including SQL and experience working with large transaction datasets.
• Sound grasp of statistics and experiment design, such as A/B testing.
• A structured approach to problem-solving, strong attention to detail, and the ownership to take initiatives through to implementation.
• Clear written and verbal communication, including presenting analysis to senior stakeholders.
• Fluency in English and Mandarin; Mandarin is needed to work with stakeholders based in China.

Preferred

• Experience at an acquirer, payment service provider, card scheme or other payment institution.
• Hands-on experience with authorization optimization levers such as smart routing, retry logic, network tokenization or 3DS.
• Knowledge of interchange and card scheme fees, scheme rules, and dispute and chargeback processes.
• Proficiency in Python or R and a BI or data visualization tool.
• Exposure to machine learning applications in payments, such as routing or risk decision models.