Payment Operations & Risk Analyst (Fintech)

Location: London, United Kingdom

Company

Joybuy is hirify.global’s European retail platform, operating across the UK, Netherlands, Germany, France, Belgium, and Luxembourg with a focus on cross-border e-commerce, technology, logistics, and supply chain operations.

What you will do

• Maintain and improve payment risk controls to safeguard company funds while supporting business growth.
• Monitor payment channel performance, including success rates, latency, chargebacks, transaction volumes, costs, and risk metrics.
• Investigate abnormal transaction trends, fraud patterns, system abuse, cash-out activity, and operational anomalies.
• Map end-to-end payment journeys from initiation through settlement and identify failures, friction, and settlement delays.
• Prepare payment operations reports and provide insights to Product, Engineering, Payments Technology, and Risk teams.
• Support payment projects involving new payment methods, cross-border setups, process improvements, and system upgrades.

Requirements

• 2–5 years of experience in payment operations, data analytics, fraud risk management, fintech, e-commerce, or a closely related area.
• Understanding of payment gateways, acquiring, card schemes, chargebacks, settlements, and the payment lifecycle.
• Hands-on experience querying and visualizing transaction data with SQL, Excel, Tableau, or Power BI.
• Familiarity with online fraud detection, chargeback processes, risk mitigation tools, 3D Secure, and risk scoring.
• Ability to communicate technical findings clearly with Engineering, Risk, Product, and other cross-functional teams.
• Strong attention to detail and ability to identify subtle shifts in large datasets before they become widespread issues.

Nice to have

• Experience with multi-currency transactions, international payment processing, or alternative payment methods.

Culture & Benefits

• Full-time role in an international cross-border e-commerce business.
• Collaborative, ownership-driven, and fast-paced working environment.
• Opportunities to work on meaningful payment, logistics, supply chain, and customer-value initiatives.
• Competitive salary, office-based work, and opportunities for career growth and learning.
• Commitment to diversity, inclusion, and equal employment opportunity.