Note: The job is a remote job and is open to candidates in USA. Nuvei is a global fintech company that provides infrastructure for payment processing. They are seeking a Data Scientist to analyze ACH transactions and risk analytics, focusing on portfolio and system-level analysis to optimize payment program decisions.

Responsibilities

• Analyze end-to-end ACH payment decisioning performance, including ML risk scores and risk rules, across approvals and losses
• Detect and analyze emerging trends in customer behavior, payment outcomes, and risk signals
• Evaluate how changes in strategies, data, or rules impact downstream decisioning and outcomes over time
• Independently define analytical questions, assemble datasets from multiple sources, and iterate toward insights without predefined reporting templates
• Use Python to perform exploratory data analysis, feature evaluation, cohort analysis, and experimentation across large ACH and risk datasets
• Develop repeatable analytical workflows and lightweight tooling in Python to accelerate insight generation and reduce manual analysis overhead
• Perform ad hoc analyses to evaluate the value and usefulness of new or existing data signals for risk decisioning
• Design analyses and reporting that support ongoing risk reviews, strategy discussions, and portfolio-level monitoring
• Explore and apply established and emerging analysis techniques to accelerate insight generation, trend detection, and decision support within regulated risk and payment datasets
• Partner with Risk, Product, and Relationship Management teams to inform strategy refinement and prioritization
• Communicate trends, findings, and recommendations clearly to internal stakeholders and, when applicable, external clients
• Work with large, imperfect, and regulated datasets to form actionable conclusions despite data gaps, latency, or attribution challenges

Skills

• 3+ years of experience in payments risk, fraud analytics, or decisioning performance analysis within fintech, payments, or e-commerce
• Strong SQL skills and experience working with large transactional datasets
• Strong Python skills for data analysis (e.g., pandas, notebooks), experimentation, and analytical automation
• Experience managing and analyzing data related to risk-based decision systems, or similar decisioning frameworks
• Ability to translate complex analytical findings into clear, actionable recommendations for technical and non-technical audiences
• Comfort operating in ambiguous environments with incomplete, delayed, or imperfect data
• Experience working with ACH or bank transfer payment data strongly preferred
• Experience using AI-assisted tools or models for data analysis, pattern discovery, or insight generation is a plus

Benefits

• Competitive holiday allowance
• 401K Matching program
• Group Insurance Benefits
• Flexible working model
• Employee Assistance Program

Company Overview

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