Senior Data Analyst

payabl. empowers businesses to grow through payments innovation and banking services. 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. The data stack includes Apache Superset, Apache Druid/Imply, Trino over Apache Iceberg on AWS S3, PostgreSQL, and JupyterHub. Reporting to: Team Lead Product Analyst. Location: Limassol, Cyprus (employment contract) or remote from Europe (service contract).

Responsibilities

Investigate payment performance questions end to end, such as approval rate drops and anomalies across gateways, issuers and merchants, and explain why they happened; Prepare datasets for analysis by filtering, handling missing values, and validating quality; 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

Requirements

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; 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; Exposure to machine learning applied to business problems such as forecasting, anomaly detection, segmentation, or fraud and risk scoring

Benefits

Provident Fund after probation; Annual Learning Budget for professional development (eligible after probation); €150 monthly Wolt allowance; SportsBenefits membership; Possible company car after one year (performance and availability permitting); Complimentary parking space near the office; 25 days of vacation plus public holidays, plus 10 additional sick days; Exclusive local discount card and event tickets; Free Greek language classes twice a week; Company celebrations; Opportunities to participate in international company events and initiatives. Benefits listed apply to the Cyprus office location only