Payments Analyst

Location: Chile, Remote.

Type: Contractor-Full Time

About Us

Ottimate is an AI-powered AP [Accounts Payable] automation platform that empowers finance teams to reduce costs, prevent overpayments, detect fraud, and enforce policy compliance across the entire invoice-to-payment lifecycle.

The Role

Ottimate is seeking a highly analytical and technically proficient Payments Analyst to join our Finance team. This is a crucial, high-impact role responsible for being the analytical powerhouse supporting our Payment Operations, Vendor Operations, and Risk teams.

You will not just report data; you will build the data infrastructure, automated monitoring, and predictive models necessary to optimize payment performance, maximize vendor conversion economics, and actively mitigate payments risk across the entire platform.

Responsibilities 

This role is defined by its focus on building systems and automating insights:

1. Data Automation & Alerting:
1. Design, build, and maintain automated anomaly detection and alerting systems to monitor the real-time health of payment flows (e.g., sudden dips in success rates, spikes in cost, abnormal transaction velocity).
2. Own the data pipeline for Payments—from sourcing raw transactional data (using SQL) to cleaning, transforming, and loading it into visualization tools for analysis.
2. Payments Operational Analysis:
1. Analyze core payments KPIs (e.g., authorization rates, failure codes, processing latency, and settlement timing) to identify operational bottlenecks and drive efficiency improvements within Payment Operations.
2. Conduct in-depth analysis on payments mix and routing to optimize transaction costs and maximize revenue from interchange/rebates.
3. Risk and Vendor Intelligence:

1. Develop and maintain robust vendor enrollment and conversion funnel models, forecasting the financial impact of shifting vendors to preferred electronic payment methods (VCC, ACH).
2. Partner with the Risk team to model financial exposure and build reporting that tracks potential loss vectors, such as payments fraud attempts and chargeback/return rates.

1. Reporting & Forecasting:
1. Produce and distribute standardized, automated management reports and dashboards that clearly communicate the financial health and operational performance of the entire payment ecosystem to cross-functional leaders.

• 3+ years of experience in a data-intensive analyst role (e.g., Business Intelligence, Analytics Engineering, or FP&A).
• Advanced-level proficiency in SQL for complex data transformation, cleaning, and analysis of high-volume transactional data is mandatory.
• Bachelor's degree in a quantitative field (e.g., Finance, Computer Science, Statistics, or Engineering).
• Advanced proficiency in Power BI or similar BI tools is required, with proven experience building complex, self-service dashboards.
• Strong preference for candidates with experience in the Fintech, Payments, or a high-volume transactional SaaS environment.
• Proven track record of transforming manual, ad-hoc analysis into reliable, automated data products (dashboards, alerts, models) that drive measurable business outcomes.
• Excellent ability to translate technical payments metrics (like basis points, interchange, and take rates) into clear business outcomes.

About Ottimate

Ottimate is AP automation AI that provides a smarter way for AP managers, approvers, controllers and CFOs to work through the entire invoice lifecycle. With mature deep learning capabilities, Ottimate gets to know your business and AP process down to the line-item, supporting a custom approval and payment workflow.