- Diagnose and recover declined transactions by analysing decline codes, retry logic, and timing across acquirers.
- Build and optimise intelligent routing rules based on card type, user behaviour, spend value, and platform activity.
- Map per-transaction COGS across every processor, gateway, FX fee, scheme fee, refund, and chargeback, then reduce it.
- Own daily reconciliation alongside Finance, identifying and closing gaps across multiple acquirer data formats.
- Diagnose MIT/renewal auth failures and systematically improve renewal success rates.
- Identify friction and drop-off in the payment journey and flag findings to Product and Engineering.
- Build and maintain a live payments KPI dashboard covering auth rates, decline breakdowns, cost per transaction, chargeback ratios, and retry uplift.
SQLData AnalysisRisk Management