Lead Data Analyst, Payments Platform

Brigit; San Francisco (CA); On-site; USD 155,000 - 170,000; Full time

Benefits offered by this job

Medical, dental, and vision

Flexible PTO

401k plan

Wellbeing benefits

Tech cost reimbursements

Learning & development

Job summary

Brigit is a holistic financial health company in San Francisco seeking a Payments Data & Analytics Specialist. You will optimize the balance between transaction costs and success rates across ACH and card rails, partnering with Data Science to evaluate predictive models and guide engineering and product choices.

The role sits within Team Money, focusing on payment failures, cost drivers, and smarter collection timing.

Qualifications

• 7+ years in payments analytics or related fintech roles.
• Advanced SQL and data modeling skills.
• Deep knowledge of ACH, card networks, and settlement timing.
• Ability to translate model outputs into business decisions.
• Strong investigative instincts for data anomalies.
• Comfort in fast-paced, cross-functional environments.
• Familiarity with NACHA/AML compliance is a plus.

Responsibilities

• Analyze the tradeoff between transaction costs and success rates across ACH and card rails and develop recommendations.
• Investigate payment failure patterns by institution, response code, and payment method and drive remediations with Engineering, Product and Operations.
• Evaluate payment routing and collection strategies and size impact of new configurations or vendor capabilities.
• Assess retry logic for cost and member experience implications and recommend smarter approaches.
• Build and refine alerting to detect payment anomalies quickly (return spikes, failures, changes in behavior).
• Collaborate with Data Science to support deployment and evaluation of predictive models for collection timing and decisions.
• Build monitoring dashboards to track model performance post-launch and surface adjustments.
• Translate model outputs into business insights for stakeholders across product, finance, and leadership.

Skills

Advanced SQL

Payments analytics

Payments domain knowledge

Data Science collaboration

Anomaly detection

Cross-functional collaboration

NACHA/AML familiarity

Job description

Hi, we're Brigit! A holistic financial health company helping everyday Americans build a br"ighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team!

Brigit is doing innovative and exciting work, but don’t just take our word for it, our work is being recognized by others:

• Built In's 2026 Best Midsize Companies to Work For in New York City
• Built In's 2025 Best Places to Work For In New York City
• Built In’s 2024 & 2025 Best Startups to Work For In the U.S.
• Built In’s 2023 - 2025 Best Startups to Work For In New York City
• Fast Company’s Most Innovative Companies of 2022
• Business Insider’s Most Promising Consumer Startups 2022

Role Overview

Brigit processes billions of dollars in payments. In this role, you’ll sit at the intersection of our payments platform, membership, and credit teams — with a mandate to optimize the balance between transaction costs and transaction success rates. The work you do will have a direct impact on our company's profitability.

You’ll be a member of the Data & Analytics team, embedded in Team Money, our cross-functional payments platform team. Day-to-day, that means you’ll focus on evaluating patterns in payment failures, successes, and cost drivers, partnering with Data Science to evaluate predictive models, and helping Engineering and Product make smarter decisions about how we collect. The ideal candidate brings sharp analytical instincts, real payments domain knowledge, and the kind of ownership mentality that turns insights into action.

What you’ll be doing

• Analyze the tradeoff between transaction costs and success rates across ACH and card rails, and develop recommendations to improve both
• Investigate payment failure patterns by institution, response code, and payment method — forming hypotheses, validating them in data, and driving remediations with Engineering, Product and Operations
• Evaluate payment routing and collection strategies and size the impact of new configurations or vendor capabilities
• Assess retry logic for cost and member experience implications and recommend smarter approaches
• Build and refine alerting to detect payment anomalies quickly — unusual return rate spikes, processing failures, or unexpected changes in transaction behavior
• Collaborate with Data Science to support the deployment and ongoing evaluation of predictive models that inform collection timing and payment decisions
• Build monitoring dashboards to track model performance post-launch and surface when adjustments are needed
• Translate model outputs into business-legible insights for stakeholders across product, finance, and leadership

What you have

• 7 years of experience in payments analytics, payment operations, or a closely related role in fintech, banking, or financial services
• Advanced SQL — you write complex queries from scratch and are comfortable maintaining data models
• Strong working knowledge of ACH, card networks, and payment processing mechanics — including return codes, retry logic, and settlement timing
• Experience partnering with or supporting Data Science teams — you can evaluate model outputs, understand their limits, and translate them into business decisions
• Sharp investigative instincts — you can spot an anomaly in payment data, form a hypothesis, and see it through to resolution
• Comfortable in a fast-paced, cross-functional environment where ownership is expected and priorities evolve
• Familiarity with NACHA return rate requirements, AML, or other fintech compliance standards is a plus

The anticipated annual base salary for this position is $155,000 - $170,000. This range does not include any other compensation components or other benefits for which an individual may be eligible (other benefits listed below). The actual base salary offered depends on a variety of factors, which may include as applicable, the qualifications of the individual applicant for the position, years of relevant experience, specific and unique skills, level of education attained, certifications or other professional licenses held, and the location in which the applicant lives and/or from which they will be performing the job.

Our Benefits & Team:

• Medical, dental, and vision insurance
• Flexible PTO Policy
• 401k plan
• Physical and mental wellbeing benefits including Wellhub for access to virtual workouts and discounted gym memberships, and Headspace for covered virtual therapy sessions and unlimited on demand health support
• Monthly reimbursements to use against wifi and cell phone bills
• Annual reimbursement for Learning & Development
• Help hard working Americans build a brighter financial future
• High-growth company
• A dynamic, flexible and collaborative start-up work environment with a highly talented team

Brigit is committed to providing equal employment opportunities for all applicants and employees without regard to race, religion, color, sex, pregnancy (including breast feeding and related medical conditions), national origin, citizenship status, uniform service member status, age, genetic information, disability, or any other protected status in accordance with all applicable federal, state and local laws. We are proud to be an equal opportunity workplace.