Transaction Health Senior Analyst

About the Position

We are looking for a Transaction Health Senior Analyst to join our Spend Operations team in Singapore. This is a senior individual contributor role for someone who wants to solve complex payment problems and help more good customer payments succeed.

Responsibilities

• Lead Investigations From Start To Finish

  • Find important payment problems from payments data, customer reports, and stakeholder input.
  • Use SQL, Python, or a similar language to test hypotheses and find patterns.
  • Investigate problems even when the available signal is incomplete.
  • Identify where the cause can sit across the payment flow.
  • Decide when to continue, narrow, stop, or move an issue to another owner.

• Find The Right Problems

  • Select work based on customer impact, materiality, evidence, ownership, and a practical path to action.
  • Separate repeatable payment problems from isolated cases.
  • Size the impact with the best available customer, payment, spend, cost, or operational measures.
  • Build concise evidence packs that make the problem clear.

• Design And Drive Solutions

  • Look beyond the first or most obvious solution.
  • Identify practical levers across Product, Engineering, Risk, Operations, merchants, acquirers, processors, and card schemes.
  • Find the correct decision-maker and make the required action clear.
  • Lead stakeholder conversations and resolve unclear ownership.
  • Track actions, deadlines, and blockers until the work reaches a clear outcome.

• Measure Results And Improve How We Work

  • Define the success measure before an intervention starts.
  • Compare results before and after the action.

Requirements

• Strong practical data skills. You can use SQL, Python, or a similar language to investigate complex data.
• Understanding of payment systems and the ability to reason across the full payment flow. Experience can come from card issuing, acquiring, processing, a merchant, a payment service provider, a bank, a fintech, or another payments area.
• Ability to form clear hypotheses and test them with incomplete or conflicting evidence.
• Ability to identify a solution and drive action.
• Ability to find and assess several possible levers, including solutions that do not need a new technical build.
• Ability to influence Product, Engineering, Risk, Operations, and external payment partners.
• Comfortable leading work when you do not manage the people who own the final action.
• Ability to communicate complex findings in a clear and direct way.
• Care about customer outcomes and know that a payment metric does not show the full customer experience.
• Ability to work independently and make progress in an ambiguous area.
• Willingness to share useful methods and help improve repeatable ways of working.

Nice to Have

• Experience with 3DS, payment authorisation, card acceptance, decline behaviour, or post-authorisation processing.
• Experience working with merchants, acquirers, processors, card schemes, wallets, ATM operators, or terminal providers.
• Experience with root-cause analysis, before-and-after measurement, or controlled tests.
• Experience writing decision briefs for senior stakeholders.
• Experience leading complex cross-team work without formal authority.

We Offer

• Competitive salary: SGD 8500 - SGD 10150 monthly
• Full-time position
• Opportunity to work in a diverse and inclusive environment

About the Company

Wise is a global technology company, building the best way to move and manage the world’s money.

Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world’s money.

For everyone, everywhere.

More about our mission and what we offer.

Job Location

• City: Singapore
• Country: Singapore
• Work Location Type: On-site