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.
