Sr. Data Analyst, Payment & Fraud

Instacart; United (PA); Remote; USD 140,000 - 155,000; Full time

Job summary

A grocery delivery service is seeking a Sr. Data Analyst to join their Fraud & Identity team to analyze payment data and support decision-making. In this role, you'll focus on key performance indicators related to payments and fraud, building dashboards and collaborating with various teams. Ideal candidates should have 6-8 years of experience, strong SQL skills, and a deep understanding of payment systems. Competitive pay based on location is offered for this remote position.

Qualifications

• 6–8 years of analytics experience in payments, fraud, or identity.
• Ability to diagnose metric changes and recommend strategies.
• Deep understanding of payment systems and reconciliation processes.

Responsibilities

• Own end-to-end analysis of Payments & Fraud KPIs.
• Build and maintain data models and dashboards.
• Translate insights into strategic narratives for decision-makers.

Skills

SQL

Advanced Excel/Google Sheets

Communication skills

Data analysis

Tools

Snowflake

DBT

BI/visualization tools

Job description

At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more time to enjoy it together. Where others see a simple need for grocery delivery, we see exciting complexity and endless opportunity to serve the varied needs of our community. We work to deliver an essential service that customers rely on to get their groceries and household goods, while also offering safe and flexible earnings opportunities to Instacart Personal Shoppers.

Instacart has become a lifeline for millions of people, and we’re building the team to help push our shopping cart forward. If you’re ready to do the best work of your life, come join our table.

Instacart is a Flex First team

There’s no one-size fits all approach to how we do our best work. Our employees have the flexibility to choose where they do their best work—whether it’s from home, an office, or your favorite coffee shop—while staying connected and building community through regular in-person events. Learn more about our flexible approach to where we work.

Overview

At Instacart, data is the compass that guides our mission to transform how the world shops for groceries. As a Sr. Data Analyst on our Fraud & Identity team, you’ll turn complex payments and fraud data into insights that protect our customers, shoppers, and retailers—while unlocking sustainable growth for the entire marketplace. If you’re driven by impact, inspired by large-scale challenges, and energized by a culture that Goes Far Together, this is your seat at the table.

About the Role

You will serve as the analytical heartbeat of our Payments & Fraud ecosystem, owning the strategy for how data illuminates risk, drives product decisions, and grows the pie for everyone who depends on Instacart. From crafting a single source of truth dashboard to advising senior leadership on loss-prevention roadmaps, you’ll embed with cross-functional partners across Product, Engineering, Legal, and CX to solve creatively and roll up your sleeves on the toughest problems in digital commerce.

About the Team

Fraud & Identity Operations is a tight-knit crew of strategists, analysts, and operators obsessed with safeguarding trust across every transaction. Reporting to the Manager, Decision Science—Fraud & Identity Analytics, you’ll collaborate daily with teammates who champion transparency, serve generously, and consistently raise the bar for data excellence. Together, we protect millions of checkouts, ensure accurate reconciliation, and pioneer industry-leading risk solutions.

About the Job

• Own end-to-end analysis and visualization of key Payments & Fraud KPIs—payment success, failed-payment recovery, conversion, chargebacks, revenue leakage, and more.
• Build and maintain robust SSOT data models in Snowflake/DBT and intuitive dashboards that keep stakeholders focused on what matters most.
• Translate insights into strategic narratives for leaders across Product, Engineering, Legal, Compliance, and Operations—driving decisions that balance growth and risk.
• Design and evaluate A/B tests on checkout UX, fraud flags, and risk workflows; surface actionable recommendations rooted in statistical rigor.
• Partner with engineers and external vendors to instrument new payment features, ensure pristine event tracking, and automate reporting that scales with our business.

About You

Minimum Qualifications

• 6–8 years’ analytics experience in payments, fraud, identity, or closely related domains
• Expert-level SQL skills (complex joins, performance tuning) and advanced Excel/Google Sheets modeling
• Deep understanding of payment systems, money movement, issuers, settlement, and reconciliation processes
• Proven ability to diagnose metric changes, identify root causes, and recommend mitigation strategies
• Exceptional written and verbal communication—able to craft compelling stories for audiences from ICs to C-suite
• Comfort thriving in fast-moving, ambiguous environments; you act like an owner and deliver results with perseverance

Preferred Qualifications

• Hands-on experience with anti-fraud tooling, payment authentication, or chargeback mitigation vendors
• Proficiency with BI/visualization platforms such as Mode, Tableau, Looker, or equivalent
• Background in experimentation, statistical analysis, or advanced quantitative methods (e.g., M.S. in Statistics, Data Science)
• ETL/data-pipeline development skills and familiarity with DBT modeling best practices
• Marketplace, e-commerce, or card-not-present (CNP) payments experience, especially at scale

Instacart provides highly market-competitive compensation and benefits in each location where our employees work. This role is remote and the base pay range for a successful candidate is dependent on their permanent work location.

Base pay ranges for a successful candidate are as follows:

• CA, NY, CT, NJ: $151,000 - $168,000 USD
• WA: $145,000 - $161,000 USD
• OR, DE, ME, MA, MD, NH, RI, VT, DC, PA, VA, CO, TX, IL, HI: $140,000 - $155,000 USD
• All other states: $125,000 - $139,000 USD

Instacart is an equal opportunities employer and welcomes applications from diverse candidates. We are committed to fostering diverse and inclusive teams that reflect the communities we serve.