bestow - Payments Product Analyst
Requirements
• Payments-fluent. You know what an ACH return code means, why a reconciliation breaks, how retry logic works, and what a chargeback lifecycle looks like. • Investigative by nature. You dig into discrepancies and trace issues across complex, multi-party payment flows. Messy data doesn't scare you. • A clear communicator. You're comfortable owning external relationships with partner’s finance teams and coordinating across internal stakeholders. • Process-minded. You see manual work and immediately think about how to systematize and document it. You turn fragmented data into executive-ready views. • Experienced. You bring 3+ years in payment analysis, payment operations, or financial reconciliation ideally at a payments company, SaaS platform, or fintech. • Self-directed. You thrive with ownership and autonomy. You can manage multiple workstreams simultaneously, from daily reconciliation tasks to longer-term optimization projects, without waiting to be told what's next.
Responsibilities
• Bestow is looking for a Payments Product Analyst to contribute in the following ways: • Own the investigation lifecycle. Take a signal (high NSF rate, reconciliation gap, auth rate drop) from definition through root-cause analysis to a written recommendation, coordinating with analytics, revenue, and support teams along the way. • Connect data and context. Frame the right questions with our analytics team, then connect with qualitative context from revenue and support that data alone won't surface. Work directly with carrier partner teams to understand the full picture. • Go deep on every opportunity. Independently analyze each opportunity’s revenue impact, root cause, urgency. Use AI tooling and your own judgment to move quickly without sacrificing quality. • Produce intelligence artifacts. Your output is a document covering the problem, why it's happening, what we should do, and what it's worth.
Benefits
• $98.5K – $116K • Offers Equity • Offers Bonus • Upload your resume here to autofill key application fields. • Drop your resume here! • Parsing your resume. Autofilling key fields... • or drag and drop here • Note: we ask for address as we might need it for documents such as offer letters. This information, along with other contact information is kept private. • Including portfolio links and relevant passwords if applicable • No, I will not need immigration support now or in the future (U.S. citizen, Green Card holder, or other permanent resident status). • Yes, I will need a transfer of my current visa (such as an H-1B). • Yes, I will need a different type of sponsorship in the future (for example, OPT to H-1B). • Yes, I will need a TN visa. • Decline to self-identify • Hispanic or Latino - A person of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin regardless of race. • Hispanic or Latino • White (Not Hispanic or Latino) - A person having origins in any of the original peoples of Europe, the Middle East, or North Africa. • White • Black or African American (Not Hispanic or Latino) - A person having origins in any of the black racial groups of Africa. • Black or African American • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) - A person having origins in any of the peoples of Hawaii, Guam, Samoa, or other Pacific Islands. • Native Hawaiian or Other Pacific Islander • Asian (Not Hispanic or Latino) - A person having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian Subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam. • Asian • American Indian or Alaska Native (Not Hispanic or Latino) - A person having origins in any of the original peoples of North and South America (including Central America), and who maintain tribal affiliation or community attachment. • American Indian or Alaska Native • Two or More Races (Not Hispanic or Latino) - All persons who identify with more than one of the above five races. • Two or More Races • Hispanic or Latino • White (Not Hispanic or Latino) • Black or African American (Not Hispanic or Latino) • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) • Asian (Not Hispanic or Latino) • American Indian or Alaska Native (Not Hispanic or Latino) • Two or More Races (Not Hispanic or Latino) • I identify as one or more of the classifications of protected veteran listed above • I am not a protected veteran
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