Senior Analyst - Fintech Commercial

Get to Know our Team: 

The Fintech Commercial team is the glue between external Fintech partners (schemes, PSPs, issuers) and Agoda’s Finance department. We represent the business side of Agoda’s “Pay-in” (Consumer Payments) and “Pay-out” (Business payments) pillars within the Agoda Fintech ecosystem. Together with our Fintech partners and cross-functional stakeholders, we identify and implement payments optimization initiatives, launch new payment methods and drive Fintech innovation across Agoda.

The Opportunity: 

We are looking for a talented, results-oriented  Senior Analyst, Fintech Commercial to join the Agoda finance team. You will:  

• Analyze payment partner commercials, validate strategic deals and own invoice reconciliation    
• Drive business case development for new fintech initiatives  
• Work with leading Fintech and payments companies on payments optimization initiatives on a global scale.
• Partner with cross-functional Agoda stakeholders: Product, Engineering, Data, Legal, Finance teams, Customer Services and more.
• Run financial analysis and data-driven insights  

This is an ideal role for someone with 2–4 years’ experience in Payments, Fintech/Tech, or Consulting industries, who wants exposure to payments partner management at scale.   

Successful candidates tend to have strong analytical and data skills and are self-starters who are comfortable working in environments defined by volatility, uncertainty, complexity and ambiguity. In addition, good performers in this role are organized, possess effective interpersonal skills and can successfully partner with cross functional teams in a result-oriented manner.  

In this Role,you’llget toown: 

• Perform monthly reconciliation of fintech partner commercials (PSPs, Payment schemes, etc.) on a timely basis   
• Validate partner invoices against contractual terms and transaction-level data    
• Ensure reconciliation data pipelines remain accurate and complete by coordinating with BI and external partners   
• Be the trusted owner of reconciliation controls, maintaining clear documentation and partnering with stakeholders to ensure smooth audit walkthroughs each cycle   
• Evaluate partnership opportunities with our Fintech partners in form of business cases to realize cost savings or create incremental revenue streams
• Analyze payment method cost and performance data sets to identify optimization opportunities
• Collaborate closely with Product and FinTech solutions on new initiatives

What You’ll Need to Succeed: 

Required   

• Bachelor’s degree in any field with strong business acumen
• Minimum 2 years of experience in: Consulting (Big4 preferred), Strategy & Operations, Fintech / Payments, Corporate/Commercial Finance, or similar
• Advanced Excel skills: financial modeling proficiency required
• Analytical mindset with strong quantitative skills
• Willingness to move quickly, adapt well to change, and thrive in dynamic environments; professional “get it done” attitude and strong work ethic
• Good written and verbal communication skills in English 

Preferred

• Experience in payment ecosystem (PSPs, Payment schemes, etc.)
• Exposure to SQL or data querying tools
• Experience building structured business cases for senior stakeholders 
• Experience working cross-functionally in fast-paced environment
• Experience in online or e-commerce business