Rate Structure Analyst

SpotOn: Corporate • Royal Oak, MI

19h • $22 - $25 • Hybrid

About The Position

As a Rate Structure Analyst, you will manage complex pricing cases, escalations, and strategic retention efforts for high-value merchant accounts. Building on foundational pricing expertise, you will perform in-depth financial analyses, develop tailored pricing strategies, and drive account retention and ARR growth. You will collaborate cross-functionally, act as a subject matter expert on compliant pricing structures, and support VIP/Strategic Accounts, often serving as the final escalation point for pricing concerns. This is a hybrid position 3x/week in our Royal Oak, MI office.

Requirements

• Deep expertise in merchant processing, pricing structures, and profitability metrics.
• Strong knowledge of Dual Pricing, Surcharge, and compliance regulations.
• Skilled in analyzing merchant statements and competitor pricing to optimize rates.
• Proficient in Salesforce, Excel, and internal margin calculators.
• Strong business acumen and analytical skills for data-driven decision-making.
• Excellent negotiation, written, and verbal communication skills.
• Highly organized, deadline-driven, and capable of managing a high volume of cases independently.
• Strong interpersonal skills and emotional intelligence for sensitive client and internal interactions.
• Proven depth of experience in rate analysis, pricing strategy, or account retention within merchant services, payments, SaaS, or fintech environments.
• Demonstrated success managing pricing escalations and high-stakes client negotiations.
• Experience with VIP or Strategic Accounts, ideally in B2B or restaurant technology contexts.
• Expertise in reviewing merchant processing statements and profitability metrics.
• Proficiency using Salesforce or similar CRMs, with advanced Excel and analytical tool capabilities.

Nice To Haves

• Familiarity with POS systems and restaurant operations preferred.

Responsibilities

• Analyze and resolve complex rate change cases and escalations to ensure client retention and satisfaction.
• Perform break-even, ARR, and GPV analyses to inform competitive, compliant pricing strategies.
• Guide Account Executives and Client Success Managers on pricing approaches for high-risk or high-value accounts.
• Communicate pricing decisions and rationale clearly to internal teams and clients.
• Identify accounts at risk due to pricing or competitive pressures and implement mitigation strategies.
• Serve as an expert on Dual Pricing, Surcharge models, and other compliant pricing structures.
• Collaborate with Finance, Underwriting, and Compliance to align rate changes with business objectives and risk mitigation.
• Contribute to refining pricing protocols, guardrails, and guidelines based on trends and data insights.
• Lead or participate in pricing-related projects and initiatives.
• Maintain accurate records of pricing decisions, case outcomes, and client communications.
• Manage a high-volume pricing caseload with a focus on strategic impact and timely resolution.
• Deliver high-quality, accurate work and outcomes by consistently adhering to documented processes, including Standard Operating Procedures (SOPs), Service Level Agreements (SLAs), and checklists.
• Review and verify outcomes before submission to maintain consistency and high-quality standards.
• Identify and address process gaps or errors to drive continuous improvement and operational excellence.

Benefits

• Medical, Dental and Vision Insurance
• 401k with company match
• RSUs
• Paid vacation, 10 company holidays, sick time, and volunteer time off
• Employee Resource Groups to build community and inclusion at work
• Monthly cell phone and internet stipend
• Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 1,001-5,000 employees