Transaction Health Senior Analyst

About the role

Wise is looking for a Transaction Health Senior Analyst to join its Spend Operations team in Singapore. This is a senior individual contributor role for someone who wants to solve complex payment problems and help more customer payments succeed. You will use payment knowledge, data and stakeholder conversations to find the cause of payment problems, identify practical solutions and lead the work from the first signal to a measured result.

Key responsibilities

• Lead investigations from start to finish: find payment problems from payments data, customer reports and stakeholder input, and use SQL, Python or a similar language to test hypotheses and find patterns.
• Investigate problems even when the available signal is incomplete, identify where the cause sits across the payment flow and decide when to continue, narrow, stop or move an issue to another owner.
• Select work based on customer impact, materiality, evidence and ownership, separate repeatable problems from isolated cases, size the impact and build concise evidence packs.
• Design and drive solutions by identifying practical levers across Product, Engineering, Risk, Operations, merchants, acquirers, processors and card schemes, finding the right decision-maker and tracking actions, deadlines and blockers.
• Measure results by defining success measures before an intervention and comparing before and after results.

Required profile

• Strong practical data skills and understanding of payment systems, able to reason across the full payment flow.
• Experience in card issuing, acquiring, processing, a merchant, a payment service provider, a bank, a fintech or another payments area.
• Able to form clear hypotheses, test them with incomplete or conflicting evidence, and drive action and cross-team influence.
• Comfortable leading work without managing the people who own the final action, and able to work independently in an ambiguous area.

Required skills

• SQL, Python or a similar language
• Nice to have: 3DS, payment authorisation, card acceptance, decline behaviour or post-authorisation processing
• Nice to have: experience with merchants, acquirers, processors, card schemes, wallets, ATM operators or terminal providers
• Nice to have: root-cause analysis, before-and-after measurement, controlled tests, decision briefs for senior stakeholders and leading complex cross-team work without formal authority