Senior Interchange & Network Optimization Analyst

Perseus Group; United States; Remote; USD 120,000 - 180,000; Full time

Job summary

Constellation Payment Processing seeks a Strategic Interchange Analyst to own interchange, network-cost optimization and routing across the payments portfolio. You will work hands-on with transaction-level data, identify cost leakage and opportunities, and present practical recommendations to technical, financial and commercial stakeholders.

The role requires deep interchange knowledge, advanced SQL, and programming experience to build automated workflows and scalable analysis, driving improved

Qualifications

• 5+ years of experience in payments, merchant acquiring, payment facilitation or related field.
• Deep knowledge of Visa/Mastercard interchange structures, costs and rules.
• Strong understanding of the payments ecosystem including networks, issuers and PayFacs.
• Advanced SQL with large datasets and data reconciliation experience.
• Proficiency in Python or Java for analysis, automation and data workflows.
• Experience using AI tools to automate workflows and generate insights.
• Degree in a quantitative or technical field such as CS, Engineering, Economics or Finance.

Responsibilities

• Own interchange qualification and network-cost performance across the portfolio, identifying downgrade drivers, cost leakage, routing opportunities and remediation priorities.
• Monitor Visa, Mastercard and other relevant network changes, assess their financial impact and maintain current interchange rules, cost tables and optimization guidance.
• Analyze routing logic and transaction behavior to identify opportunities that improve qualification and payment economics.
• Use advanced SQL and other programming or query languages to analyze and reconcile large transactions, interchange, billing and network‑fee datasets.
• Build automated monitoring, reporting and analytical workflows using AI, Python, Java or comparable tools to improve efficiency, accuracy and scalability.
• Translate complex payments analysis into clear executive insights, financial‑impact assessments and practical recommendations.

Skills

Interchange qualifications

SQL proficiency

Python

Java

AI automation

Data analysis

Cost optimization

Education

Bachelor's degree in a quantitative/technical field

Tools

Python

Java

SQL

AI tooling / automation tools

Job description

Constellation Payment Processing seeks a Strategic Interchange Analyst to own interchange, network-cost optimization and routing across the payments portfolio. You will work hands-on with transaction-level data, identify cost leakage and opportunities, and present practical recommendations to technical, financial and commercial stakeholders.

The role requires deep interchange knowledge, advanced SQL, and programming experience to build automated workflows and scalable analysis, driving improved