Commercial Finance and Payments Analyst

New

AJ MediaDTC eCommerce

Philippines. Romania. Malaysia. IndiaContractSenior

Salary not disclosed

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Job Details

Experience: 2–5 years of relevant experience in commercial finance, business analysis, financial analysis, payments analytics or a similarly analytical role
Required Skills: SQLShopifyMicrosoft ExcelGoogle Sheets

Have 2–5 years of relevant experience in commercial finance, business analysis, financial analysis, payments analytics or a similarly analytical role.
Provide examples of insights that influenced a business decision.
Understand eCommerce economics, including acquisition spend, ROI, ROAS, CAC, LTV, contribution margin, retention and cohort analysis.
Have hands-on payment processing and reconciliation experience.
Understand settlement cycles, processing fees, rolling and fixed reserves, refunds and chargebacks.
Have strong Excel or Google Sheets skills for modelling and analysis.
Be confident working with transaction and customer datasets.
Have enough accounting knowledge to reconcile sales, settlements and bank receipts accurately.
DTC or subscription eCommerce experience is preferred, particularly customer cohort, retention and acquisition-economics analysis.
Private or higher-risk payment processing experience, including reserves and complex settlements, is advantageous.
Experience with merchant cap management, routing analysis, disputes or multi-currency reconciliation is advantageous.
Familiarity with Shopify, CheckoutChamp or similar platforms, dashboard tools, SQL or accounting software is helpful.

Monitor acquisition spend, revenue, ROI, ROAS, CAC, contribution margin and CAC payback; investigate changes and recommend actions.
Analyze performance by brand, market, channel and customer cohort.
Build models and scenarios to assess spend allocation and growth opportunities, and make recommendations based on profitability, cash needs and evidence.
Work with Marketing and Operations to challenge assumptions, prioritize opportunities and evaluate agreed changes.
Deliver daily performance updates and improve dashboards.
Track customer and subscription metrics, including retention, churn, failed payments, refunds, chargebacks and customer lifetime value.
Manage merchant and processor spend or volume caps, forecast capacity and flag constraints.
Compare payment processors on cost, approval rates, settlement speed, reserves, payout reliability and chargeback exposure.
Coordinate approved payment-routing changes and monitor settlements, reserve releases and cash at risk.
Reconcile processor transactions, fees, refunds, chargebacks, settlements and bank deposits; investigate discrepancies and maintain reserve and receivables records.

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