Senior Data Analyst

Our Purpose

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary

Senior Data Analyst

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.
Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
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About the Role

Mastercard Identity Check is the company's largest cardholder authentication solution, processing billions of 3DS authentications annually for issuers and merchants worldwide. As a Senior Data Analyst on the Identity Check product team, you will be the analytical backbone behind how we measure, optimize, and commercially position this product.
You will work at the intersection of product performance, commercial strategy, and regulatory compliance — translating transaction-level data into insights that directly shape product performance, pricing models, and the product roadmap.
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What You'll Do

Strategic & Regulatory Analysis
• Support market sizing, go-to-market execution, performance monitoring and product optimization for existing and new capabilities (e.g., FIDO2 WebAuthn passkey-based authentication, Data Sharing flows / Risk Based Authentication).
• Analyze the impact of regulatory changes (e.g. PSD2, PSD3/PSR enforcement, exemption usage rates) on product performance, transaction volumes and product adoption.
Pricing & Commercial Analytics
• Support the development and refinement of Authentication and Behavioral pricing models and develop dashboards/insights
• Analyze transaction volume trends, attach rates, and revenue per transaction across segments and geographies to identify pricing and revenue trends
• Model the commercial impact of product and fee structure changes on Mastercard revenue.
Product Performance Analytics
• Own the end-to-end measurement framework for Identity Check, covering authentication success rates, challenge success rates, frictionless vs. challenge flows, fallback and error rates, exemption usage, fraud performance etc.
• Build and maintain pricing and product performance dashboards and reporting that give product managers, market / account teams, and leadership a clear view of product performance and customer enablement/opportunities
• Identify and quantify performance bottlenecks and work with product, customer success, project management and account teams to resolve them.
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What You Bring

Required

• Experience in data analytics, preferably in payments, fintech, or financial services.
• Python & SQL skills (complex queries across large-scale transaction datasets — billions of rows).
• Proficiency in at least one analytics/visualization tool stack (e.g., Python/R + Tableau/Power BI).
• Experience building pricing models or commercial analytics
• Comfort working with stakeholders across product, engineering and commercial functions.
• Strong communication skills

Preferred

• Experience with card payment authentication (specifically EMV 3DS protocol or FIDO2 WebAuthn/Secure Payment Confirmation).
• Familiarity with PSD2/SCA regulatory framework and how transaction risk analysis exemptions affect authentication flows.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard’s security policies and practices;

• Ensure the confidentiality and integrity of the information being accessed;

• Report any suspected information security violation or breach, and

• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.