Merchant Risk Data Analyst

As a Merchant Risk Data Analyst, you will support the Credit Risk team by delivering high-quality data analysis, monitoring, and insights that enable effective merchant risk decision-making. The role focuses on portfolio monitoring, exposure analysis, reporting, and early-warning indicators.

You will work closely with Credit Risk, Onboarding, Fraud & Monitoring, Sales, Compliance, and Finance to translate complex data into clear, actionable insights that help protect the business from financial losses while supporting sustainable growth. A key part of the role is improving and automating risk monitoring and reporting processes, including the use of Excel (VBA), SQL, and BI tools. This role is well suited to a strong data analyst who wants to work at the intersection of payments, merchant risk, and business decision-making, with clear visibility into how data influences real outcomes.

Responsibilities:

• Monitoring the merchant portfolio and key risk indicators such as credit risk ratings, chargebacks, refunds, disputes, payout velocity, and exposure metrics
• Identifying trends, anomalies, and early-warning signals that may indicate deteriorating merchant performance or increased financial risk
• Supporting risk tiering and segmentation with data-driven insights
• Building, maintaining, and improving recurring risk reports (daily/weekly/monthly) for Risk and senior stakeholders
• Designing and maintaining dashboards that provide clear visibility into portfolio health and key KPIs
• Ensuring data accuracy, consistency, and transparency across reporting outputs
• Performing ad-hoc analyses to support merchant risk reviews, risk appetite discussions, and strategic initiatives
• Translating analytical findings into clear recommendations for Credit Risk and other non-technical stakeholders
• Partnering with Credit Risk to evaluate the impact of changes in policies, thresholds, or controls
• Identifying opportunities to automate monitoring, reporting, and data extraction processes
• Supporting improvements in risk tooling, data pipelines, and internal systems to increase efficiency and scalability
  
  
  
  

What we are looking for:

• 4–6 years of experience in data analysis, risk analytics, BI, or a comparable analytical role
• Relevant academic background in economics, finance, engineering, data analytics, or a related field
• Advanced Excel skills, including complex formulas, pivot tables, and structured analysis
• Strong SQL skills and experience working with large datasets
• Solid experience with BI/data visualization tools (e.g., Tableau, Power BI)
• VBA experience for Excel automation (macros, data transformation, reporting workflows)
• Excellent verbal and written communication skills in English
• Understanding of merchant risk drivers, financial exposure, and early-warning indicators, or the ability to learn these quickly
• Experience in payments, fintech, e-commerce, or financial services is a strong advantage but not required
• Python (or similar) for data analysis and automation is a strong plus
• Exposure to credit risk, merchant risk, or financial risk concepts is a plus
  
  
  
  

What we offer?

• Responsibility for leading and improving the AML/CTF compliance process in CEE region
• Full-time employment under a contract of employment
• Benefits: ability to develop one’s own package in MyBenefit system
• Possibility to work in a hybrid model
• Friendly work atmosphere in a cooperation-driven team, that will support you everyday
• Work in an international organization operating in a rapidly changing industry
• Work in an international environment where you work with foreign languages on an everyday basis
  
  
  
  

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.