Payments Analyst

Pearl; United States; Remote; USD 75,000 - 110,000; Full time

Job summary

Pearl is hiring a Payments Analyst to deliver analytical support across payments performance, testing, and optimization. You will analyze payment data to identify opportunities to improve processes, raise authorization rates, and drive revenue growth.

The role emphasizes translating results into actionable recommendations and building dashboards for visibility. Join a global, data-driven team focused on enhancing customer experience and operational efficiency while exploring AI-assisted

Qualifications

• 2–4+ years of analytical experience in data-driven businesses.
• Proven track record of delivering actionable insights from data.
• Strong SQL for extracting and analyzing data from large datasets.
• Nice to have payments domain experience or familiarity with payments tech.

Responsibilities

• Conduct in-depth payment data analysis to identify patterns and opportunities.
• Identify opportunities to optimize payment processes and revenue.
• Support testing initiatives with sizing, monitoring, and readouts.
• Collaborate with cross-functional teams on payment performance projects.
• Respond to ad-hoc analyses and translate findings into actionable insights.
• Create dashboards and reporting tools for key payment metrics.
• Provide data-driven recommendations to improve authorization rates.
• Explore using AI tools to speed analysis and automate tasks.

Skills

SQL

Excel

Analytical thinking

Cross-functional

AI tools

Tools

Power BI

Tableau

Looker

Job description

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: Data decides, not egos
• Courageous: We take risks and challenge the status quo
• Innovative: We’re constantly learning, creating, and adapting
• Lean: We focus on customers, using lean testing to learn how to serve them best
• Humble: Past success is not a guarantee of future success

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