Payments Product Analyst

About the role

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.

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.

What You'll Do

• 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 and write your own SQL to dig into payment data, then pair the numbers 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.
• SQL-proficient. You write your own queries to pull, join, and analyze payment data for research and root-cause work—without waiting on someone else to get the numbers.
• 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.

Total Rewards

• Competitive salary and equity based on role
• Policies and managers that support work/life balance, like our flexible paid time off and parental leave programs
• 100% paid-premium option for medical, dental, and vision insurance
• Lifestyle stipend to support your physical, emotional, and financial wellbeing
• Flexible work-from-home policy and open to remote
• Remote and WFH options, as well as a beautiful, state-of-the-art office in Dallas’ Deep Ellum, for those who prefer an office setting
• Employee-led diversity, equity, and inclusion initiatives