payabl. empowers businesses to grow through payments innovation and banking services. Our ambition is to expand our strong portfolio of global financial services we provide to businesses and make them all available in one place on our platform we call Payabl. one. As a licensed financial company with principal membership with card schemes, we specialize in global payments and providing businesses with multi-currency accounts.

The role is about:

As a Payment Optimization Analyst, you will play a key role in improving our payment performance by increasing approval rates, reducing friction, and optimizing fraud controls. You’ll use data to identify trends, uncover inefficiencies, and work cross-functionally to enhance the overall payment experience for our customers and merchants.

Location: Cyprus or Lithuania

Reporting to: Chief Risk Officer

Key Responsibilities:

Analyze payment performance data to identify trends, bottlenecks, and opportunities to improve authorization rates and customer conversion.
Develop and implement strategies to increase transaction approvals while maintaining strong fraud and compliance controls.
Collaborate with the Risk team to fine-tune fraud rules and reduce false declines through data insights and advanced decisioning models.
Define and execute strategies for maximizing SCA exemptions (low-value, TRA, whitelisting, secure corporate payments, etc.) in compliance with PSD2 and local regulations.
Partner with Product, Engineering, and Acquiring teams to optimize routing logic, cascading, 3DS usage, and network-level tools.
Build and maintain dashboards to track KPIs such as approval rates, decline reasons, fraud ratios, and exemption utilization.
Act as a subject-matter expert on payment optimization, providing insights to internal teams and supporting merchant discussions on performance improvement.
Engage with card schemes, acquirers, and vendors to identify and resolve performance issues.
Lead continuous improvement projects across payment processing, authorization flows, and operational procedures.

What You’ll Bring:

3–5 years of experience in payment analytics, risk optimization, or a related role in fintech, e-commerce, or payments.
Strong analytical skills with experience in SQL, Excel, or BI tools (e.g., Tableau, Power BI, Looker).
Solid understanding of card payments, authorization flows, and PSD2/SCA regulations.
Experience working with acquirers, PSPs, or card networks.
Excellent communication and problem-solving skills/ analytical skills/ pro-activness.
(Bonus) Familiarity with fraud management systems or machine learning–based decisioning tools.

👉Depending on whether this role will be based in Cyprus or Lithuania, the specific benefits package may vary. The TA team will walk you through the details during the first interview.

🧭Hiring Process:

Step 1- Initial Interview – A 30–40 minute conversation with our Talent Acquisition team to discuss your background, experience, and career goals.
Step 2- Technical Assessment: A role-specific assessment designed to evaluate your practical skills and problem-solving abilities relevant to the position. This may include a written exercise or task to be completed within a specified timeframe.
Step 3- Depth Discussion – A 60-minute interview with the Chief Risk Officer, to explore your skills, achievements, and alignment with the role.

Let's embark on a journey to redefine the landscape of payments together. We're not just offering a role; we're inviting you to be a part of something bigger. Join our team, and let's innovate, disrupt, and lead the future of payments. Together, we can make an impact that resonates. Welcome to the team!

If this role seems like a good match, please submit your resume all applications are treated with the strictest confidentiality. Please note that we may keep your CV for a period of one (1) year for future relevant job opportunities. For more information about how we process your data please see our privacy policy at https://www.payabl.com/privacy-policy

Payment Optimization Analyst

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