Credit Analyst

About The Role

We are looking for a dynamic, detail-oriented, and customer-oriented credit analyst to join our growing Risk team. You will play a key role in the day-to-day operations of our trade credit portfolio — handling buyer underwriting, monitoring, and operational credit decisions while serving as a point of contact for our SMB customers. The ideal candidate is analytical, organized, comfortable with data, and excited to grow within a fast-paced, data-driven fintech environment, in a role that sits at the intersection of credit risk and financial technology.

Responsibilities:

• Utilize underwriting expertise to assess risk and evaluate SMB buyer applications for credit, using financial documents, bank statements, credit bureau reports, alternative data sources, and internally developed AI tools

• Support the creditworthiness evaluation of potential clients, merchants, and partners through comprehensive financial analysis and risk profiling

• Monitor and manage the existing credit portfolio, identifying potential risks and proposing strategies to mitigate them

• Handle incoming credit-related support tickets and manage direct interactions with buyers, providing professional and timely responses

• Support ad-hoc analytical tasks, monthly reporting, and contribute to ongoing improvements in credit processes and risk tooling

Requirements:

• Bachelor's degree in Accounting or Economics — Accounting highly preferred. Statistics or related fields also considered

• 1–3 years of proven experience in credit risk management and underwriting, preferably in the Fintech/Banking industry

• Strong experience in SMB underwriting, using alternative data sources, cash flow based underwriting, and SMB focused credit reports

• Strong analytical skills with the ability to interpret financial data and make sound credit decisions

• Excellent communication and interpersonal skills for effective customer interaction

• Detail-oriented and able to manage multiple priorities in a fast-paced environment

• Fluent English — written and verbal

• Tech-oriented with a willingness to work with and learn new tools and systems

Working Setup

• Monday–Friday work week

• Flexibility to work East Coast hours (EST) required 2–3 days per week