Interchange Analyst

Summary/Objective

The primary role of the Interchange Analyst is to provide advanced technical analysis and strategic support for merchant payment data. This position focuses on identifying root causes of high processing costs, developing technical solutions for interchange optimization, and creating data-driven tools to enhance cost management for large-scale clients.

Essential Functions/ Responsibilities

• Investigate payment processing data from multiple card brands and processors to identify the root cause of excessive interchange fees.
• Assess complex merchant statements and understand technical payment issues to provide actionable solutions to clients.
• Design, write, and enhance proprietary tools and data libraries for internal and external usage to automate cost-saving analyses.
• Handle technical inquiries from internal stakeholders and external clients regarding scheme fees and optimization strategies.
• Track market trends, card network programs, and industry technology developments to synthesize findings into technical recommendations.

Supervisory Responsibility

None.

Education & Experience

• Education: Bachelor’s degree in CS, Finance, Economics, or a related quantitative field.
• Industry: 3 years in electronic billing/payments, including knowledge of NACHA and Card Network regulations.
• Client Success: 3 years in a technical or analytical client-facing role, with experience presenting to management and clients.

Technical Skills

• Data Tools: Proficient in SQL, relational databases, and Excel.
• Visualization: Experience with BI tools like Tableau.

Core Competencies

• Analysis: Proven ability to analyze complex data, solve problems, and provide actionable recommendations.
• Communication: Ability to translate technical terms into clear business insights for clients and internal teams.
• Adaptability: Thrives in fast-paced, high-growth environments.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as laptop computers, photocopiers and smartphones.

Physical Demands

This position requires extended sitting and/or standing at a computer workstation.

Position Type/Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday during normal business hours. Occasional evening and weekend work may be required as job duties demand.

Travel

Up to 25% travel to customer sites or internal meetings may be required

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

EEO Statement

Paymentus is an equal opportunity employer. We enthusiastically accept our responsibility to make employment decisions without regard to actual or perceived race,  creed, color, age, sex or gender (including pregnancy, childbirth and related medical conditions), gender identity or gender expression (including transgender status), sexual orientation, national origin, ancestry, citizenship status, religion, marital status, physical or mental disability, military service or veteran status, genetic information, protected medical condition as defined by applicable state or local law, genetic information, or any other classification protected by applicable federal, state, and local laws and ordinances. Our management is dedicated to ensuring the fulfillment of this policy with respect to hiring, placement, promotion, transfer, demotion, layoff, termination, recruitment advertising, pay, and other forms of compensation, training, access to facilities and programs and general treatment during employment.

Reasonable Accommodation

Paymentus recognizes and supports its obligation to endeavor to accommodate job applicants and employees with known physical or mental disabilities who are able to perform the essential functions of the position, with or without reasonable accommodation. Paymentus will endeavor to provide reasonable accommodations to otherwise qualified job applicants and employees with known physical or mental disabilities, unless doing so would impose an undue hardship on the Company or pose a direct threat of substantial harm to the employee or others.

An applicant or employee who believes he or she needs a reasonable accommodation of a disability should discuss the need for possible accommodation with the Human Resources Department, or his or her direct supervisor.