Job description



About Antom



Antom is Ant International's merchant payments brand, providing payment processing to businesses worldwide. It supports acquiring in more than 40 markets and gives merchants access to hundreds of local payment methods. Antom's products include Antom Payment Orchestration and Card Revenue Booster for routing and authorization optimization, and Antom Shield for fraud management. This role sits in Antom's Global Acquiring Capability Center in Singapore.



Job description



The Senior Data Analyst, Payment Optimization monitors and improves the performance of Antom's card payments. The role analyzes card transaction data to find what drives approvals and declines. It then works with internal teams, card schemes and payment institutions to turn those findings into solutions.



Performance monitoring and analysis



- Monitor authorization rates, decline codes and payment success rates, and trace fluctuations to their root cause by market, issuer, BIN range, card scheme or routing.



- Be accountable for the key indicators of overall card payment performance, and build the dashboards, reporting and automated anomaly alerts used to track them.



- Analyze cross-border and domestic card payment trends to identify and size opportunities to raise authorization rates and reduce processing costs.



Optimization and delivery



- Work with risk, product, technology and other internal teams to turn findings into card payment solutions, using levers such as routing, retry logic, 3DS and tokenization.



- Drive optimization initiatives from analysis through to implementation, including test design (such as A/B tests) and measuring results after launch.



- Present findings and recommendations clearly to technical and non-technical stakeholders, including senior leaders.



Industry and partner engagement



- Maintain day-to-day contact with card schemes and payment institutions, and analyze competing card acquiring products.



Follow developments in card acquiring, including scheme rule changes, and turn optimization and profit growth opportunities in local markets into regional payment solutions.




Job Requirement



- Bachelor's degree or above, preferably in statistics, economics, finance, computer science, data science or a related field.



- 5+ years of experience in operations or data analytics, with cross-border or domestic card acquiring experience preferred.



- Working knowledge of the card payment lifecycle, including authentication, authorization, clearing and settlement, and how issuers, acquirers and card schemesinteract.



- Strong data analysis skills, including SQL and experience working with large transaction datasets.



- Sound grasp of statistics and experiment design, such as A/B testing.



- A structured approach to problem-solving, strong attention to detail, and the ownership to take initiatives through to implementation.



- Clear written and verbal communication, including presenting analysis to senior stakeholders.



- Fluency in English and Mandarin; Mandarin is needed to work with stakeholders based in China.



Preferred



- Experience at an acquirer, payment service provider, card scheme or other payment institution.



- Hands-on experience with authorization optimization levers such as smart routing, retry logic, network tokenization or 3DS.



- Knowledge of interchange and card scheme fees, scheme rules, and dispute and chargeback processes.



- Proficiency in Python or R and a BI or data visualization tool.



- Exposure to machine learning applications in payments, such as routing or risk decision models.