Payments Product Analyst
Bestow · United States
- Hybrid
- Full-time
- $100,000 / year
- United States
Job highlights
- Analyze payment data and identify issues.
- Investigate payment discrepancies and root causes.
- Collaborate with analytics, revenue, and support.
- Communicate findings and recommendations clearly.
- Shape new product opportunities and backlog.
About the role
About Bestow
Life insurance is one of the world's most important products. It's also one of the hardest to build, distribute, and modernize. Bestow exists to change that.
Bestow is a leading vertical technology platform serving some of the largest and most innovative life insurers. Our platform unifies the fragmented, legacy value chain, enabling carriers to launch products in weeks instead of years. Carriers choose us to scale and operate at unprecedented speed, powered by AI and automation.
Bestow isn't selling policies. We're building the infrastructure that helps an entire industry move faster, reach more people, and deliver on its promise.
Backed by leading investors (Goldman Sachs, Hedosophia, NEA, Valar, 8VC) and trusted by major carriers, Bestow is powered by a team that moves with precision, purpose, and heart. If you want to help reimagine a centuries-old industry with lasting impact, join us.
Bestow offers flexible remote/hybrid work, meaningful benefits, equity, and substantial growth opportunities.
Bestow uses E-Verify to confirm the employment eligibility of all newly hired employees. To learn more about E-Verify, including your rights and responsibilities, please visit E-Verify.gov.
About The Team
The Bestow Product team is responsible for defining, designing, and delivering exceptional experiences for our customers. Our team collaborates across Engineering, Design, Revenue and Ops teams to transform product opportunities into solutions that drive revenue.
This is a brand-new role on the product team. Your experience will help shape what it becomes. You'll own payments excellence by investigating patterns, building business cases, and directly impacting customer revenue and operational efficiency.
This role reports to our Director of Product Management and is open to Remote (US).
What You'll Do
Bestow is looking for a Payments Product Analyst to contribute in the following ways:
- Own the investigation lifecycle. Take a signal (high NSF rate, reconciliation gap, auth rate drop) from definition through root-cause analysis to a written recommendation, coordinating with analytics, revenue, and support teams along the way.
- Connect data and context. Frame the right questions with our analytics team, then connect with qualitative context from revenue and support that data alone won't surface. Work directly with carrier partner teams to understand the full picture.
- Go deep on every opportunity. Independently analyze each opportunity’s revenue impact, root cause, urgency. Use AI tooling and your own judgment to move quickly without sacrificing quality.
- Produce intelligence artifacts. Your output is a document covering the problem, why it's happening, what we should do, and what it's worth.
- Partner with the product team. Translate your findings into clearly prioritized opportunities so product managers can act on them. Help maintain and shape the opportunity backlog.
Who You Are
- Payments-fluent. You know what an ACH return code means, why a reconciliation breaks, how retry logic works, and what a chargeback lifecycle looks like.
- Investigative by nature. You dig into discrepancies and trace issues across complex, multi-party payment flows. Messy data doesn't scare you.
- A clear communicator. You're comfortable owning external relationships with partner’s finance teams and coordinating across internal stakeholders.
- Process-minded. You see manual work and immediately think about how to systematize and document it. You turn fragmented data into executive-ready views.
- Experienced. You bring 3+ years in payment analysis, payment operations, or financial reconciliation ideally at a payments company, SaaS platform, or fintech.
- Self-directed. You thrive with ownership and autonomy. You can manage multiple workstreams simultaneously, from daily reconciliation tasks to longer-term optimization projects, without waiting to be told what's next.
Key skills/competency
- Payments Product Analyst
- Payment analysis
- Payment operations
- Financial reconciliation
- ACH return codes
- Chargeback lifecycle
- Data analysis
- Root-cause analysis
- SaaS platform
- Fintech
Skills & topics
- Payments Product Analyst
- Payments
- Product
- Analyst
- SaaS
- Fintech
- Financial Reconciliation
- Payment Operations
- Data Analysis
- Remote
How to get hired
- Tailor your resume: Highlight your 3+ years of payment analysis, operations, or reconciliation experience. Use keywords like 'ACH', 'chargebacks', and 'reconciliation'.
- Showcase investigative skills: In your application, provide examples of how you've traced complex payment issues and connected data with context.
- Demonstrate communication and collaboration: Mention experience working with cross-functional teams and external partners, like finance teams.
- Prepare for payment-specific questions: Be ready to discuss your understanding of payment flows, return codes, and chargeback lifecycles during the interview.
- Express self-direction: Highlight your ability to manage multiple workstreams and take ownership of projects without constant supervision.
Technical preparation
Behavioral questions
Frequently asked questions
- What specific payment knowledge is required for the Payments Product Analyst role at Bestow?
- For the Payments Product Analyst position at Bestow, you should be payments-fluent. This includes understanding ACH return codes, reconciliation processes, retry logic, and the chargeback lifecycle. Your experience should ideally be in payment analysis, payment operations, or financial reconciliation.
- What does a typical day look like for a Payments Product Analyst at Bestow?
- A Payments Product Analyst at Bestow will own the investigation lifecycle for payment signals like NSF rates or reconciliation gaps. You'll connect data with qualitative context, analyze revenue impact and root causes, produce intelligence artifacts, and partner with product managers to prioritize opportunities.
- Is the Payments Product Analyst role remote at Bestow?
- Yes, the Payments Product Analyst role at Bestow is open to Remote candidates within the US. Bestow also offers flexible remote/hybrid work options, alongside a physical office space in Dallas.
- What kind of impact can I make as a Payments Product Analyst at Bestow?
- As a Payments Product Analyst, you will directly impact customer revenue and operational efficiency by investigating payment patterns, building business cases, and helping to shape the product opportunity backlog. This is a new role, so your experience will be instrumental in defining its future.
- What are the benefits of working at Bestow as a Payments Product Analyst?
- Bestow offers competitive salary and equity, flexible work-life balance with generous PTO and parental leave, 100% paid medical, dental, and vision insurance, a lifestyle stipend, and flexible remote work options. They are also recognized with multiple 'Best Place to Work' awards.
- How does Bestow use AI in this Payments Product Analyst role?
- The Payments Product Analyst role leverages AI tooling to help analyze opportunities quickly and effectively. This allows for moving fast without sacrificing the quality of your analysis on revenue impact and root causes.
- What is the reporting structure for the Payments Product Analyst at Bestow?
- The Payments Product Analyst will report directly to the Director of Product Management at Bestow. This role is a new addition to the product team, offering a unique opportunity to shape its direction.