Middle Data Analyst

**About us**:**About the role**:We're looking for a data-savvy risk analyst who lives and breathes payment metrics and loves turning complex data into actionable insights. You'll be our early warning system, monitoring fraud and dispute patterns across multiple merchant accounts while crafting recommendations that keep our risk metrics healthy. If you get excited about diving deep into data, spotting patterns, and preventing issues before they happen - we want to talk to you**Key Responsibilities**:- Monitor and analyze dispute and fraud metrics across multiple merchant accounts- Create and maintain comprehensive weekly risk reports for stakeholders- Perform deep-dive analyses into risk factors (countries, banks, BINs)- Track compliance with card scheme programs (VISA, Mastercard)- Identify emerging risk patterns and propose mitigation strategies- Generate and maintain risk monitoring dashboards- Provide data-driven recommendations for risk optimization- Collaborate with payment processors on risk management initiatives- Develop and implement early warning systems for risk metrics- Create and automate reporting workflows for efficient monitoring**Qualifications**:- 2+ years of experience in risk analysis, fraud prevention, or similar role- Strong analytical skills with excellent attention to detail- Advanced Excel skills (pivot tables, complex formulas, data modeling)- Basic SQL knowledge for data extraction and analysis- Experience with JSON data parsing and manipulation- Experience with data visualization and reporting- Ability to translate complex data into clear recommendations- Strong written and verbal communication skills- Experience working with multiple stakeholders- Proactive problem-solving approach**Nice to have**:- Understanding of payment processing and risk metrics- Experience with high-risk merchant accounts- Background in subscription-based business models- Knowledge of card scheme compliance programs- Experience with Tableau or similar BI tools- Familiarity with payment processors (Stripe, PayPal, etc.)- Understanding of payment orchestration platforms- Experience with fraud prevention tools (Ethoca, Verifi)**Location**:**Benefits**:Discover the perks of being part of our vibrant team We offer:- ** Remote Work Environment**: Embrace the freedom to work from anywhere, anytime, promoting a healthy work-life balance.- **Unlimited PTO**: Enjoy unlimited paid time off to recharge and prioritize your well-being, without counting days.- **Paid National Holidays**: Celebrate and relax on national holidays with paid time off to unwind and recharge.- **Company-provided MacBook**: Experience seamless productivity with top-notch Apple MacBooks provided to all employees who need them.Be part of our fast-growing team and seize this excellent opportunity for personal and professional growth**Interview Process**:- Recruiter Screening (40 minutes)- Technical Interview (90 minutes)- Final Interview (60 minutes)**Life at Ruby Labs**:At Ruby Labs, we are more than a team; we're a community united in pushing the boundaries of technology and innovation. Our combined passion fuels our ambition for excellence, driving impact that resonates around the globe.We are an equal-opportunity employer and celebrate diversity, recognizing that a diversity of thought and backgrounds builds stronger teams. We approach diversity and inclusion seriously and thoughtfully. We do not discriminate based on race, ethnicity, religion, color, place of birth, sex, gender identity or expression, sexual orientation, age, marital status, military service status, or disability status. Join us and be part of a company that is crafting the future of technology across multiple industries.Li-Remote