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Payments Analyst

Higgsfield AI· Product Engineering
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Almaty, KazakhstanFull-timePosted 3w ago

About the role

Payments Analyst focused on end-to-end authorization, cost of acceptance, local payment methods, renewals, disputes, and reconciliation to optimize cross-border card payments and local rails for a subscription business.

Responsibilities

  • Own authorization rate end to end: by country, issuer, BIN, card brand and funding type, plan price point, first payment vs renewal, and payment method.

Qualifications

  • 2+ years in payments analytics, payment operations, billing, or risk at a merchant, PSP, acquirer, or fintech.
  • Fluency in authorization vs capture vs settlement, decline codes, 3DS and SCA, network tokens and account updater, interchange and scheme fees, chargeback lifecycle, MCC, BIN, cross-border and DCC.
  • Strong SQL, without help.
  • Python at working level for analysis.
  • The instinct to check the unit of measurement before quoting a rate.
  • Comfort with subscription billing specifically: renewals, proration, plan changes, failed payments, dunning, involuntary churn.
  • Commercial judgment: you can build the case for a rail or a rate and defend it against a vendor who does this for a living.
  • Clear written and spoken English, B2+.
  • Backgrounds that often do well: Payment operations or payments analytics at a consumer subscription, marketplace or gaming company.

Skills

Required:Authorization rate analysisDecline taxonomyCost of acceptance modelingLocal payment methods and routingRenewals, dunning and involuntary churnDisputes, refunds and reconciliationSQLPython

Benefits

  • Competitive salary in USD
  • Equity: participation in the company's stock option program
  • On-site role in Almaty, Kazakhstan
  • Relocation support (flight + temporary housing)
  • Flat structure, high autonomy, fast career growth
Last updated Oct 25, 2026. Interested? Apply on the company site.
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