Senior Product Analyst

We're looking for a Senior Product Analyst to join Split Pay, a fintech that just raised $100M+ in a Series B round, providing split rent and mortgage payments for the US market. Backed by leading VC funds, with a founding team boasting experience at Cash App, Dropbox, Square, Amazon and Apple, Split Pay is going through extensive growth and is expanding its analytics team to turn fragmented, fast-growing data into a coherent, trustworthy view of the business.

You will

• Own product analytics across Split Pay's customer journey – acquisition, onboarding, underwriting, payments, retention, and expansion.

• Bring together data scattered across application databases, payment/banking infrastructure, product analytics, marketing, underwriting, and third-party systems into one consistent analytical model.

• Work directly with engineering on event instrumentation, data quality, schemas, pipelines, and source-of-truth datasets.

• Establish clear, consistent definitions for key business and product metrics across teams.

• Design, run, and analyze A/B tests with a very high standard of statistical rigor — sample size, power, randomization, guardrail metrics, and everything that can go wrong (bias, SRM, novelty effects, peeking, multiple comparisons).

• Perform deep-dive analyses into conversion, retention, churn, engagement, payment behavior, and unit economics – and trace unexpected metric movements to their actual root cause.

• Build reusable analytical datasets and tooling instead of one-off queries.

• Partner directly with product and engineering to define success before launch and evaluate results after.

• Use tools like Codex, Claude Code, and other AI systems extensively to speed up SQL, analysis, and documentation – while independently validating output and owning the reasoning behind it.

Requirements

• Significant experience in product analytics, data analytics, decision science, or a similarly quantitative role.

• Exceptional SQL – comfortable exploring large, messy, multi-system datasets and judging whether an analysis can actually be trusted.

• Deep expertise in A/B testing and experimental design, well beyond reading significance off a dashboard.

• Strong grounding in probability, statistics, hypothesis testing, and experimental validity.

• Ability to turn an ambiguous business question into a measurable analytical problem, and to spot a result that's statistically significant but practically meaningless.

• Comfortable working with engineers on data architecture, instrumentation, and pipeline/warehouse design.

• AI-native analytical habits are expected – but not outsourcing judgment to AI. You should be able to challenge generated SQL, catch bad assumptions, and decide if an answer is credible.

• Excellent written and verbal English.

• Fintech, payments, lending, or other complex-transactional-data experience is a strong plus.

• Relocation to Lisbon, Portugal is required.

We offer

• Up to €120k/year salary + equity; higher figures can be negotiated.

• Supplemental private medical insurance, free office lunches, wellness stipend, and other benefits.

• Unusual ownership over the analytics stack behind one of the leanest, fastest-growing fintechs in the market.