Credit Risk Analyst (Americas)

Overview

The organization is seeking a Credit Risk Analyst to join its Payments team, which processes billions of dollars for millions of merchants across 175 countries. The Credit Risk team focuses on identifying and mitigating merchant risk to prevent financial loss while minimizing friction for legitimate businesses. This role requires curiosity, sound judgment, speed, and accuracy to keep pace with evolving risk patterns.

Responsibilities

• Review and investigate merchant accounts by analyzing business, transaction, fulfillment, and chargeback activity, then take appropriate action.
• Own the quality and outcomes of merchant investigations while continuously deepening knowledge of emerging credit risk threats.
• Communicate directly with merchants to gather information, address concerns, and explain decisions.
• Monitor caseload trends and assess how business models, seasonal patterns, and economic conditions affect merchant risk.
• Provide merchant and risk insights to help cross-functional partners improve tools, processes, and detection rules.
• Apply and improve team playbooks by identifying gaps or better ways of working.
• Use AI tools to detect threats faster and automate repetitive analysis.
• Share expertise and support teammates to ensure consistently high-quality investigations.

Requirements

• Experience in financial services in a risk analysis or underwriting role within digital payments, e-commerce, or marketplace environments.
• Strong knowledge of merchant credit risk and chargebacks, with the ability to connect multiple signals into a clear risk assessment.
• Sound judgment and ownership when working through ambiguity.
• Clear written and verbal communication skills across technical and non-technical audiences.
• Curiosity about emerging risks, business models, and opportunities to improve professional skills.
• Proficiency with MS Excel, Google Sheets, or similar spreadsheet tools.
• Collaborative approach to sharing expertise and raising investigation quality across the team.

Preferred Qualifications

• Experience working in a fintech environment.
• Experience writing SQL or a genuine interest in pulling and analyzing data.
• Experience using AI tools to speed up analysis or automate workflows.
• Experience working with high-risk business models such as pre-sales, dropshipping, or subscriptions.

Compensation & Benefits

Details about compensation and benefits are not provided in the job description.

Location

The job location is not specified in the description.