Data Analyst

Hi! We're Mercuryo, and we’re on a mission to redefine finance by blending the best of traditional banking with the power of decentralized finance (DeFi). We believe everyone deserves seamless access to Web3 and traditional financial services, so we're building the platform that makes it real: one that simplifies crypto and integrates it into the broader financial ecosystem.

Since launching in 2018, we've grown into a recognized force in the industry, named one of Europe's Fastest-Growing Startups 2025 by Sifted and awarded Best Crypto On-Ramp & Payments Solution 2025 by Cryptonomist. We've partnered with leading brands including Visa, Mastercard, MetaMask, Trust Wallet, Ledger, and Jupiter, powering over 200 products and collaborating directly with major ecosystems like Solana, Consensys, and BNB Chain.

Why Mercuryo?

Industry Impact

Join us in helping world-class Web3 projects onboard millions of new users into the next generation of finance.

Innovative Environment

Collaborate with more than 300 talented professionals from diverse backgrounds — including banking, SaaS, and Web3 — all united in delivering outstanding user experiences.

AI-First Culture

We actively integrate AI across the company, from operations and analytics to marketing and product workflows. It helps teams move faster, improve productivity, and focus on high-impact work - while maintaining human oversight and accountability at every step. We see AI as a core part of how our teams innovate, collaborate, and scale.

Growth and Learning

Our expanding network of 200+ B2B partnerships and a user base of over 7 million means there’s always room to grow your skills, tackle new challenges, and push boundaries.

Flexible Culture

We’re remote-first, celebrating diversity across 30 countries. At Mercuryo, you’ll be empowered to take ownership of your work, spark creativity, and shape how we move forward together.

About the Role:

We're looking for an experienced Data Analyst to own the data behind our payments business, from the first log of a new product to the final dashboard. You'll work with Operations, Finance, Partnerships, and Data Engineering to turn business questions into reliable datasets, and to build our transaction cost model covering acquirer, scheme, FX, KYC, fraud, chargeback, blockchain, and custody costs. You'll also run and automate monthly reconciliations against partner invoices, tracing every discrepancy to its root cause. This is a hands-on role that needs deep SQL and dbt skills, a solid grasp of card payment economics, and a reconciliation mindset.

Your Role:

• Model new products from day one. Support our launches by working with engineers and product managers so the right data is logged, define how revenue and cost are recognised, and ship the marts and dashboards.
• Partner with stakeholders. Work with Operations (profitability, payment providers, pricing, liquidity), Finance and Partnerships. Turn their questions into reliable datasets and Metabase or Tableau dashboards.
• Build data-quality checks and alerts. Use dbt tests and Airflow checks that post to Slack and Jira. Cover gaps between internal systems, the blockchain, custody and exchanges. Tune these alerts so they stay useful rather than noisy.
• Own the transaction cost model. Build and maintain dbt models that attach the following to each transaction:

1. acquirer fees, interchange and scheme fees, and FX costs;
2. KYC, transaction-monitoring and fraud-screening costs;
3. chargeback costs, and blockchain and custody fees.

• Run and automate reconciliations. Match partner invoices and settlement reports against internal data every month. Find the root cause of each discrepancy, quantify it and help the business recover it. Then turn manual checks into automated ones.
• Keep payments data complete as the stack changes. When new acquirers, payment methods or products go live:

1. define the fee and cost logic they need;
2. specify the mapping that Data Engineering implements;
3. validate the result before it reaches reporting.
   

What We're Looking For:

• 5+ years in data analytics or analytics engineering, preferably in payments, fintech, e-money or crypto.
• Expert SQL on large transactional datasets: window functions, deduplication, incremental logic, performance tuning. You can read and safely refactor someone else's 1,000-line model.
• Hands-on experience with dbt (or similar) and a git-based workflow (PRs, code review). Familiarity with Airflow.
• A solid grasp of card payment economics: acquiring, interchange and scheme fees (IC++), settlement, chargebacks, 3DS and declines. Familiarity with alternative payment methods.
• A reconciliation mindset. You have matched settlement or invoice files against internal ledgers and can explain the difference down to the cent.
• Hands-on experience with python.
• BI tools: Metabase, Tableau or similar.
• Clear communication with non-technical stakeholders.
• Professional English, written and spoken.

Nice to have:

• Knowledge of crypto infrastructure: on-chain transactions, custody platforms (e.g. Fireblocks), exchange APIs, network fees.
• Experience with KYC/AML and fraud-prevention vendors and their pricing models.
• ClickHouse, StarRocks or another MPP database.
• Experience building P&L or unit-economics models with Finance.

What We Offer:

• Competitive market rate salary and performance-based incentives.
• 22 days annual leave with an additional 6 company days, plus bank holidays.
• Comprehensive health insurance plans.
• Maternity & Paternity leave support.
  
• Extensive benefits program.
• Flexible work schedule and remote work options.
• Modern offices and co-working spaces across 6 countries.
• Working equipment.
• Professional development and training opportunities.
• Opportunity to shape the initiatives you’re working on.
• Diverse and friendly team.
• We are open-minded to new ideas.
  

Join Us!

If you're driven to be a part of the Web3 forefront and are keen to leave your mark on this rapidly evolving field, Mercuryo is an excellent choice. Discover our open positions and see how you can contribute to shaping the future!

Mercuryo is an equal opportunity employer and prohibits discrimination and harassment of any kind. We are committed to providing employees with a work environment that is progressive and open-minded. Our employment philosophy is to hire the best people and empower them to do the best work of their lives. Employment decisions are based on business needs and individual merit, without regard to race, colour, religion, ethnicity, sexual orientation, nationality, marital status, gender, age, disability, veteran status, or any other characteristic protected by law. Mercuryo is also committed to providing reasonable accommodation during the application process for qualified individuals with disabilities. If you require assistance to complete your application, please contact our Talent Team.