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Daxko Logo Daxko · Finance

Payments Analyst

United States, Birmingham 53950.00 - 76050.00 USD / Year · Job Posted January 05, 2026
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Job Description

Are you passionate about turning complex data into clear insights that drive real business outcomes? As a Payments Analyst, you will be a key contributor to the success and growth of our payments business. In this role, you’ll dig deep into financial and operational performance—reviewing merchant statements, modeling pricing scenarios, evaluating ROI, and uncovering opportunities to enhance revenue and profitability across our portfolio. You’ll work closely with leadership, including direct collaboration with our Chief Payments Officer, to influence pricing strategies, optimize financial performance, and support long-term initiatives. From reconciling residual statements to identifying revenue leakage, your work will shape how we scale and strengthen our payments ecosystem. If you enjoy analytical problem-solving, thrive in a fast-paced environment, and want your insights to impact key business decisions, this role offers an exciting and meaningful opportunity.

Job Responsibility

  • Analyze credit card processing statements to evaluate effective rates, fees, and margins
  • Conduct rate comparisons using market benchmarks and internal buy rates
  • Build pricing scenarios (interchange-plus, tiered, flat-rate) to model merchant savings and opportunities
  • Deliver data-driven ROI analyses to support retention strategies and client growth
  • Review and reconcile monthly processor residual statements
  • Identify, escalate, and help resolve revenue leakage, underpayments, or payout discrepancies
  • Track and validate residual payouts across multiple partners and portfolios
  • Produce monthly and quarterly residual reporting packages for leadership
  • Analyze interchange categories and card brand fees to uncover optimization opportunities
  • Evaluate the impact of card brand rule changes on portfolio performance
  • Partner with leadership on strategic projects, M&A analyses, and revenue forecasting
  • Build and maintain pricing templates, models, and merchant proposals
  • Support Salesforce workflows tied to merchant pricing and residuals
  • Present monthly and quarterly portfolio performance insights to the Payments Leadership Team

Requirements

  • Strong collaboration skills and the ability to build effective partnerships across teams
  • Solid understanding of credit card processing, interchange, and ISO/processor residuals
  • Excellent customer service abilities, including patience, empathy, and professionalism
  • Strong critical-thinking and problem-solving capabilities
  • Ability to work independently and manage multiple priorities
  • Advanced Excel skills and experience with Power BI (or similar BI tools)
  • Strong quantitative background with the ability to manage complex financial analyses
  • Experience handling customer or partner escalations
  • Bachelor’s degree in Business, Finance, or related field—or equivalent practical experience
  • 2+ years of experience in credit card processing, ISO, or the acquiring industry
  • Strong knowledge of merchant pricing structures, interchange, and card brand fees
  • Hands-on experience with merchant statement analysis and residual reporting
  • Familiarity with Daxko’s payments products and services

Nice to have

  • 3+ years of experience in credit card processing, ISO, or acquiring
  • Experience with both credit card and ACH processing
  • Prior work in the credit card processing business
  • Expertise with ISOs, Fiserv, or Stripe

What we offer

  • Flexible paid time off
  • Affordable health, dental, and vision insurance options
  • Monthly fitness reimbursement
  • 401(k) matching
  • New-Parent Paid Leave
  • Casual work environments
  • Remote work
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