Data Analyst (Payments)

Hello! We're Teya.Teya is a payment and software service provider, headquartered in London serving small, local businesses across Europe. Founded in 2019, we build easy to use, integrated tools that enable our members to accept payments and boost business performance.At Teya we believe small, local businesses are the lifeblood of our communities.We’re here because we don’t believe there’s a level playing field that gives small businesses with a fighting chance against the giants of the high street.We’re here because we see banks and legacy service providers making things harder for them. We don’t think the best technology or the best service should be reserved for those with the biggest headquarters.We’re here to fight for a future where small, local businesses can thrive, and to commit the same dedication they offer all of us.Become a part of our story.We’re looking for exceptional talent to join our mission. We offer a chance to create impact in a high-energy and connected culture, while benefiting from continuous learning opportunities, a supportive community which is proud to serve our mission, and comprehensive benefits.The RoleWe are looking for a Payments Data Analyst to join our London team. You will take ownership of the payments data layer, working at the intersection of Product, Commercial, and Engineering to ensure our acquiring business is measurable, scalable, and optimized for performance.You will be responsible for the end-to-end payments data lifecycle, from defining core metrics to delivering insights that improve authorization rates, optimize margins, and support commercial decision-making. This is a highly proactive role suited to someone who enjoys solving complex problems and driving impact through data.Your ResponsibilitiesDomain Ownership: Act as the subject matter expert for the payments data lifecycle, covering authorisation, clearing, settlement, and reconciliation.Proactive Analysis: Go beyond standard reporting by delivering unprompted insights. Diagnose root causes of changes in authorisation rates and identify margin leakage driven by transaction mix or fee structures.Commercial & Product Partnership: Work closely with Product Managers to define success metrics for new features and support Commercial teams with merchant-level profitability analysis and pricing scenarios.Data Architecture & Quality: Own the “single source of truth” for key payments metrics (volumes, revenue, margins). Collaborate with Engineering to define tracking requirements and proactively identify and resolve data gaps.Semantic Layer Development: Build and maintain a robust semantic layer on top of payments data, ensuring consistent metric definitions across the business and enabling AI-driven workflows and Snowflake Cortex use cases.Self-Service Strategy: Develop scalable data models in dbt and create Tableau dashboards that empower stakeholders to self-serve insights, while you focus on deeper strategic analysis.Actionable Narratives: Translate complex terminal, POS, and eCommerce data into clear, actionable insights for senior stakeholders to inform product roadmap and pricing decisions.Must Have2+ years of experience in a Data Analytics role within Payments, Acquiring, or FinTechStrong understanding of the card transaction lifecycle (Authorisation, Clearing, Settlement)Familiarity with fee structures (Interchange, Scheme Fees, Blended vs IC+ pricing)Strong proficiency in SQL and Tableau (or equivalent BI tool)Hands-on experience with dbt and data modellingFamiliarity with Git and cloud data environments (e.g. Snowflake, AWS)Strong analytical mindset with a focus on root cause analysis and experimentationExcellent communication skills with the ability to influence cross-functional stakeholdersNice to HaveExperience working with Card-Present / POS terminal dataKnowledge of chargebacks and dispute processesProficiency in Python for modelling or advanced analysisExperience with pricing optimisation or portfolio segmentationExposure to international payment schemes and local payment methodsThe PerksPhysical and mental health support through our partnership with GymPass, including access to gyms, therapy, meditation, and wellness appsEnhanced maternity and paternity leave policies for greater flexibility and supportCycle-to-Work SchemePrivate Health and Life InsurancePension Scheme25 days annual leave + bank holidaysDaily office snacksFriendly, collaborative, and informal office environment in Central LondonTeya is proud to be an equal opportunity employer.We are committed to creating an inclusive environment where everyone regardless of race, ethnicity, gender identity or expression, sexual orientation, age, disability, religion, or background can thrive and do their best work. We believe that a diverse team leads to better ideas, stronger outcomes, and a more supportive workplace for all.If you require any reasonable adjustments at any stage of the recruitment process whether for interviews, assessments, o