Merchant Risk Data Analyst at Payugpo

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.