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.

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

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