Product Analyst

Overview

Product analyst / Business analyst, Card lifecycle management

Pay Rate: $68-$80/hr

Role Type:
Contract

This role will be responsible for conducting an in-depth analysis of our clients end-to-end card lifecycle, specifically 3DS authentication flow. This role requires a meticulous approach to dissecting customer experience, underlying technical system behavior to identify actionable insights. This requires collaborating with analytics and engineering teams, and translating complex data into actions to drive significant improvements in our authentication success rates and reduce customer abandonment.

• Collaborate extensively with our analytics and engineering teams to meticulously map every stage of the card lifecycle, 3DS authentication funnel, from initial transaction request to final authorization.

• Define key performance indicators (KPIs) and establish robust monitoring mechanisms to track the health and efficiency of the authentication funnel.
• Provide data-driven recommendations and strategic insights to optimize authentication flows, improve step-up rates, and minimize drop-offs, ultimately leading to significant revenue recovery.

• Propose and define requirements for integrating newly identified, high-value data points into our analytics platform and reporting dashboards.
• Work closely with engineering to ensure accurate and comprehensive data capture, enabling full visibility into the authentication journey.
• Conduct a thorough and detailed review of the EMV 3-D Secure Specification to understand all available data elements, status codes (trans
  
  Status: Y, N, U, A, etc.), and error codes.
• Determine what critical information, as defined by the 3DS spec, is currently missing or underutilized within our analytics funnel. For example, investigate how to leverage granular data from our 3DS Server provider (e.g., Cardinal Commerce), such as indicators of cardholder cancellation during a challenge flow (e.g., the cardholder
  
  Cancelled).
• A comprehensive, documented map of the current 3DS SCA authentication funnel, clearly highlighting all drop-off points and identified failure modes.
• A detailed report outlining critical 3DS specification data points currently missing from our analytics and their potential value for business insights.
• A prioritized list of recommendations for data capture and integration enhancements.
• In-depth analysis of specific failure scenarios (e.g., reasons for 3DS initiation failure, post-authentication authorization declines).
• An actionable optimization plan aimed at improving 3DS step-up rates and reducing funnel abandonment.

• Product expert in card life cycle: hands-on experience and a thorough understanding of card life cycle, preferably someone who has worked on EMV 3-D Secure (3DS) specifications and regulations like PSD
  2.
• Exceptional Analytical
  
  Skills:
  
  Comfortable with diving into data queries, reports, slicing and dicing data, questioning the patterns and making sense of a large amount of data. Proven ability to perform deep-dive data analysis, identify trends, draw robust conclusions, and translate findings into actionable strategies. Experience with funnel analysis is essential.
• Communication
  
  Skills:
  
  Excellent verbal and written communication skills, with the ability to articulate technical concepts clearly to both technical and non-technical audiences.
• Technical Acumen: Demonstrated ability to read, interpret, and apply complex technical specifications (e.g., payment protocols, API documentation) to real-world problems.

Benefit offerings include medical, dental, vision, term life insurance, short-term disability insurance, additional voluntary benefits, commuter benefits and 401K plan. Our program provides employees the flexibility to choose the type of coverage that meets their individual needs. Available paid leave may include Paid Sick Leave, where required by law; any other paid leave required by Federal, State or local law; and Holiday pay upon meeting eligibility criteria.

Disclaimer:
These benefit offerings do not apply to client-recruited jobs and jobs which are direct hire to a client.