Senior Data Analyst

As a Senior Data Analyst at payabl, you will work with payment data at scale, including transaction flows, approval rates, chargebacks, fees, and settlement, and turn it into decisions. You will spend your time answering business questions with data, building dashboards people actually use, and communicating findings. Our data engineers own the platform. You own the analysis and the insight. You will work with our data stack: Apache Superset for dashboards, Apache Druid/Imply for interactive analytics, Trino over Apache Iceberg on AWS S3 for the data lake, PostgreSQL for operational data, and JupyterHub for exploratory analysis and scheduled reporting. • Investigate payment performance questions end to end, such as approval rate drops and anomalies across gateways, issuers and merchants, and explain why they happened rather than only that they happened • Prepare datasets for analysis by filtering, handling missing values, and validating quality, so that conclusions rest on accurate and relevant data • Apply statistical techniques to identify patterns, relationships and trends, and quantify whether a change is real or noise • Build and maintain Superset dashboards and Druid data cubes that stakeholders rely on daily • Prepare recurring reports for internal stakeholders and for regulatory and scheme reporting requirements, ensuring accuracy, traceability and on-time delivery • Automate recurring analysis and reporting so that manual work does not scale with the business • Present insights and recommendations to stakeholders in a clear and actionable way, backing suggestions with evidence • Partner with other departments to understand their data needs and translate open-ended business questions into answerable analytical ones

payabl. empowers businesses to grow through payments innovation and banking services. Our ambition is to expand our strong portfolio of global financial services we provide to businesses and make them all available in one place on our platform we call payabl.one. As a licensed financial company with principal membership with card schemes, we specialize in global payments and providing businesses with multi-currency accounts. The role is about: As a Senior Data Analyst at payabl, you will work with payment data at scale, including transaction flows, approval rates, chargebacks, fees, and settlement, and turn it into decisions. You will spend your time answering business questions with data, building dashboards people actually use, and communicating findings. Our data engineers own the platform. You own the analysis and the insight. You will work with our data stack: Apache Superset for dashboards, Apache Druid/Imply for interactive analytics, Trino over Apache Iceberg on AWS S3 for the data lake, PostgreSQL for operational data, and JupyterHub for exploratory analysis and scheduled reporting. Location: Limassol, Cyprus (employment contract) Remote from Europe (service contract) Reporting to: Team Lead Product Analyst What you will do:   • Investigate payment performance questions end to end, such as approval rate drops and anomalies across gateways, issuers and merchants, and explain why they happened rather than only that they happened • Prepare datasets for analysis by filtering, handling missing values, and validating quality, so that conclusions rest on accurate and relevant data • Apply statistical techniques to identify patterns, relationships and trends, and quantify whether a change is real or noise • Build and maintain Superset dashboards and Druid data cubes that stakeholders rely on daily • Prepare recurring reports for internal stakeholders and for regulatory and scheme reporting requirements, ensuring accuracy, traceability and on-time delivery • Automate recurring analysis and reporting so that manual work does not scale with the business • Present insights and recommendations to stakeholders in a clear and actionable way, backing suggestions with evidence • Partner with other departments to understand their data needs and translate open-ended business questions into answerable analytical ones What we need: • Strong SQL, including window functions, CTEs, aggregation logic, and the ability to reason about query performance on large datasets • Python for analysis, including pandas, a visualisation library such as Matplotlib, Plotly or Seaborn, and SciPy or an equivalent for statistical work • Experience with relational and analytical databases, including PostgreSQL. Exposure to columnar or OLAP engines such as Apache Druid, ClickHouse or BigQuery is a strong plus • Experience building dashboards in any BI tool, such as Apache Superset, Metabase, Power BI, Tableau, Looker or Qlik. We use Superset, and the concepts transfer • Comfort working in notebooks (JupyterHub, Jupyter, or similar) for exploratory analysis and reporting • Comfort with Git-based workflows: version control your work, open merge requests, and have your code reviewed • Ability to automate data reports, ensuring efficiency and accuracy in data delivery • Excellent communication skills, with a proven ability to present analysis to any type of audience in a clear and actionable way • A sense of ownership and end-to-end responsibility in everything you do Nice to Have: • Experience in fintech or payments and an understanding of transactional data specifics such as chargebacks, fees, interchange, acquiring, and settlement • Experience preparing regulatory or scheme reporting (card schemes, PSD2, AML or similar) • Experience with dbt (models, tests, documentation) • Basic understanding of Apache Airflow, including how pipelines are structured and what to check when debugging • Familiarity with scheduling and automatic report generation (cron jobs, Airflow, jupyter_scheduler) • Experience with event tracking, conceptualising product events, and product analytics tools (Amplitude, Google Analytics, Matomo) • Practical use of AI tools in analytical work, for example LLM-assisted coding, querying, or summarising findings, with a clear-eyed view of where they help and where they do not • Exposure to machine learning applied to business problems such as forecasting, anomaly detection, segmentation, or fraud and risk scoring The perks of being a payabl.er: • Future-Proof Your Finances: Once you’ve passed probation, we’ll kickstart your Provident Fund to secure your future.  • Grow with Us: Annual Learning Budget for professional development (eligible after probation)—because your growth is our growth.  • Wolt Your Way Through Lunch: €150 monthly Wolt allowance to keep you fueled and happy. • Stay Active Your Way: Enjoy a SportsBenefits membership giving you access to a wide variety of gyms and sports facilities to support your active lifestyle. • Drive in Style:  After one year with us, you may be eligible for a company car—performance and availability permitting.  • Park with Ease: Complimentary parking space just steps from the office, so your commute is as smooth as your workday. • Max Out Your Downtime: 25 days of vacation + public holidays, plus an additional 10 sick days. • Shop & Save: Exclusive local discount card + tickets for exciting events like Beonix, basketball games, and more.  • Speak Like a Local: Join free Greek language classes, twice a week, open to all team members.  • Celebrate Together: We bring colleagues from all offices together for unforgettable company celebrations. • Global Collaboration & Events: Opportunities to participate in international company events and initiatives, connecting with colleagues from all regions and contributing to a truly global community The benefits listed above are for our Cyprus office location only, a list of benefits