Data Analyst (Payments)

Job description

Hello. We’re Teya. Teya was founded on a simple belief: local businesses deserve better. They are the cafés, restaurants, salons, shops and entrepreneurs that bring character to our high streets, create jobs and keep communities moving. Yet for too long, financial services has made life harder for them - with clunky tools, poor support and complexity that gets in the way of running a business. Teya exists to change that. We’re building a financial platform for local businesses across Europe - one built around simple tools, thoughtful design and real human support. Our Members rely on us to help them run their business with confidence, and that responsibility shapes the way we work. We move fast. We care about quality. We stay close to the detail. And we believe great performance and genuine hospitality should go hand in hand. If you want to build meaningful products, solve real problems and make a genuine difference for local businesses, we’d love to hear from you THE ROLE We are looking for a Payments Data Analyst to join our London team. You will take ownership of the payments data layer, working at the intersection of Product, Commercial, and Engineering to ensure our acquiring business is measurable, scalable, and optimized for performance. You will be responsible for the end-to-end payments data lifecycle, from defining core metrics to delivering insights that improve authorization rates, optimize margins, and support commercial decision-making. This is a highly proactive role suited to someone who enjoys solving complex problems and driving impact through data. YOUR RESPONSIBILITIES Domain Ownership: Act as the subject matter expert for the payments data lifecycle, covering authorisation, clearing, settlement, and reconciliation. Proactive Analysis: Go beyond standard reporting by delivering unprompted insights. Diagnose root causes of changes in authorisation rates and identify margin leakage driven by transaction mix or fee structures. Commercial & Product Partnership: Work closely with Product Managers to define success metrics for new features and support Commercial teams with merchant-level profitability analysis and pricing scenarios. Data Architecture & Quality: Own the “single source of truth” for key payments metrics (volumes, revenue, margins). Collaborate with Engineering to define tracking requirements and proactively identify and resolve data gaps. Semantic Layer Development: Build and maintain a robust semantic layer on top of payments data, ensuring consistent metric definitions across the business and enabling AI-driven workflows and Snowflake Cortex use cases. Self-Service Strategy: Develop scalable data models in dbt and create Tableau dashboards that empower stakeholders to self-serve insights, while you focus on deeper strategic analysis. Actionable Narratives: Translate complex terminal, POS, and eCommerce data into clear, actionable insights for senior stakeholders to inform product roadmap and pricing decisions. MUST HAVE - 2+ years of experience in a Data Analytics role within Payments, Acquiring, or FinTech - Strong understanding of the card transaction lifecycle (Authorisation, Clearing, Settlement) - Familiarity with fee structures (Interchange, Scheme Fees, Blended vs IC+ pricing) - Strong proficiency in SQL and Tableau (or equivalent BI tool) - Hands-on experience with dbt and data modelling - Familiarity with Git and cloud data environments (e.g. Snowflake, AWS) - Strong analytical mindset with a focus on root cause analysis and experimentation - Excellent communication skills with the ability to influence cross-functional stakeholders NICE TO HAVE - Experience working with Card-Present / POS terminal data - Knowledge of chargebacks and dispute processes - Proficiency in Python for modelling or advanced analysis - Experience with pricing optimisation or portfolio segmentation - Exposure to international payment schemes and local payment methods THE PERKS - Physical and mental health support through our partnership with GymPass, including access to gyms, therapy, meditation, and wellness apps - Enhanced maternity and paternity leave policies for greater flexibility and support - Cycle-to-Work Scheme - Private Health and Life Insurance - Pension Scheme - 25 days annual leave + bank holidays - Daily office snacks - Friendly, collaborative, and informal office environment in Central London Teya is proud to be an equal opportunity employer. We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all. If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, or other parts of the application—we encourage you to let us know. We are committed to ensuring that every candidate has a fair and accessible experience with us.