Lead Data Analyst, Payments Platform

Hi, we're Brigit! A holistic financial health company helping everyday Americans build a brighter financial future. With a business model that is aligned with our customers, we create transparent, fair, and simple financial products that put money back in the hands of our members, help them spend wisely, avoid unfair fees and build their credit quickly. If autonomy, ownership, and having meaningful input at the company you work for is important to you, come join our growing team! Brigit is doing innovative and exciting work, but don’t just take our word for it, our work is being recognized by others: - Built In's 2026 Best Midsize Companies to Work For in New York City https://builtin.com/awards/new-york-city/2026/best-midsize-places-to-work#brigit - Built In's 2025 Best Places to Work For In New York City https://builtin.com/awards/new-york-city/2025/best-places-to-work#brigit - Built In’s 2024 & 2025 Best Startups to Work For In the U.S. https://builtin.com/awards/us/2025/best-startup-places-to-work#brigit - Built In’s 2023 - 2025 Best Startups to Work For In New York City https://builtin.com/awards/new-york-city/2025/best-startup-places-to-work#brigit - Fast Company’s Most Innovative Companies of 2022 https://www.fastcompany.com/90724459/most-innovative-companies-personal-finance-2022 - Business Insider’s Most Promising Consumer Startups 2022 https://www.businessinsider.com/most-promising-consumer-tech-startups-of-2022-8#brigit-a-automated-money-lender-5 - Forbes Fintech 50 2022 https://www.forbes.com/sites/isabelcontreras/2022/06/07/the-future-of-personal-finance-fintech-50-2022/?sh=1fbbd36d5235 Role Overview Brigit processes billions of dollars in payments. In this role, you’ll sit at the intersection of our payments platform, membership, and credit teams — with a mandate to optimize the balance between transaction costs and transaction success rates. The work you do will have a direct impact on our company's profitability. You’ll be a member of the Data & Analytics team, embedded in Team Money, our cross-functional payments platform team. Day-to-day, that means you’ll focus on evaluating patterns in payment failures, successes, and cost drivers, partnering with Data Science to evaluate predictive models, and helping Engineering and Product make smarter decisions about how we collect. The ideal candidate brings sharp analytical instincts, real payments domain knowledge, and the kind of ownership mentality that turns insights into action. What you’ll be doing - Analyze the tradeoff between transaction costs and success rates across ACH and card rails, and develop recommendations to improve both - Investigate payment failure patterns by institution, response code, and payment method — forming hypotheses, validating them in data, and driving remediations with Engineering, Product and Operations - Evaluate payment routing and collection strategies and size the impact of new configurations or vendor capabilities - Assess retry logic for cost and member experience implications and recommend smarter approaches - Build and refine alerting to detect payment anomalies quickly — unusual return rate spikes, processing failures, or unexpected changes in transaction behavior - Collaborate with Data Science to support the deployment and ongoing evaluation of predictive models that inform collection timing and payment decisions - Build monitoring dashboards to track model performance post-launch and surface when adjustments are needed - Translate model outputs into business-legible insights for stakeholders across product, finance, and leadership What you have - 7+ years of experience in payments analytics, payment operations, or a closely related role in fintech, banking, or financial services - Advanced SQL — you write complex queries from scratch and are comfortable maintaining data models - Strong working knowledge of ACH, card networks, and payment processing mechanics — including return codes, retry logic, and settlement timing -…