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About Cruisepay

Cruisepay is a fast-growing fintech company delivering seamless, secure, and intelligent payment solutions. As we continue to scale, we are strengthening our transaction performance and fraud optimization capabilities to ensure operational excellence and sustainable growth.

We are seeking a highly analytical and performance-driven professional to optimize transaction success rates, enhance fraud detection strategies, and provide data-backed insights that directly impact revenue and risk management.

Role Overview

The Senior Transaction & Fraud Optimization Analyst will lead daily transaction monitoring, fraud risk optimization, routing strategy enhancement, and executive reporting development.

This role requires hands-on expertise in Fraud.net, strong knowledge of payment routing logic, and advanced analytics capabilities within fin-tech or payment processing environments.

Key Responsibilities

Transaction Analysis and Monitoring

• Analyze daily transaction volumes, approval rates, declines, charge-backs, and fraud ratios.
• Identify patterns, anomalies, and performance gaps.
• Deliver actionable insights to increase authorization rates and reduce false declines.

Fraud Risk Management

• Configure, optimize, and manage fraud rules within Fraud.net.
• Monitor fraud alerts and implement proactive mitigation strategies.
• Reduce charge-backs and fraud losses while preserving customer experience.
• Collaborate with compliance and risk teams to align with AML and regulatory standards.

Routing Optimization

• Analyze payment gateway performance including approval rates, latency, and cost efficiency.
• Implement intelligent routing strategies to maximize approvals and minimize processing costs.
• Work closely with PSPs and acquiring partners to enhance routing effectiveness.

Dashboard and Reporting Strategy

• Design executive dashboards covering KPIs, fraud metrics, and routing performance.
• Define business-critical metrics for strategic decision-making.
• Partner with BI and engineering teams to build real-time reporting systems.
• Present weekly and monthly performance reports to leadership.

Strategic Recommendations

• Proactively recommend data-driven improvements.
• Conduct A/B testing on routing configurations and fraud rule adjustments.
• Support product and engineering teams with analytical insights for optimization initiatives.

Required Qualifications

• Bachelor’s degree in Finance, Data Analytics, Computer Science, or a related field.
• 3 to 7+ years of experience in payment processing, fraud analysis, transaction monitoring, or fin-tech analytics.
• Proven hands-on expertise configuring and optimizing Fraud.net.
• Strong understanding of payment gateways, acquiring banks, card networks, and the charge-back life-cycle.
• Experience with BI tools such as Power BI, Tableau, or Looker.
• Advanced Excel and SQL skills. Python is a plus.
• Strong analytical, strategic thinking, and problem-solving capabilities.

Key Performance Indicators

• Approval rate improvement
• Fraud rate reduction
• Charge-back ratio optimization
• Routing cost reduction
• Dashboard implementation effectiveness
• Processing latency reduction

Preferred Experience

• Experience within African payment markets.
• Background in high-volume transaction environments.
• Familiarity with Visa and MasterCard scheme rules.
• Experience managing multiple PSP integrations.

What We Offer

• Competitive salary package
• Performance-based incentives
• Opportunity to shape fraud and optimization strategy
• Direct exposure to leadership and strategic decision-making
• Growth opportunities within a scaling fin-tech company