Credit Risk Analyst Commercial Underwriter

Overview

This role supports credit risk underwriting for the organization’s largest and fastest-growing businesses. The Credit team manages end-to-end risk across the user lifecycle, using underwriting expertise and data-driven stress heuristics to inform decisions from onboarding through loss recovery.

The position is assigned to West Coast hours, with a high preference for candidates in the Pacific time zone.

Responsibilities

• Work directly with top merchants—from venture-backed startups to established institutions—to evaluate business models and financial statements
• Provide tailored credit risk recommendations to mitigate exposure while facilitating partner/merchant growth
• Help manage and monitor a portfolio by building deep understanding of risk across industries, geographies, and operating models
• Deliver insights to support senior management decisions, including onboarding strategies and merchant pricing analysis
• Support refinement of tools and processes to meet key performance indicators such as credit loss targets or portfolio coverage metrics
• Partner with internal and external stakeholders to support merchants worldwide

Requirements

• 5+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting
• Bachelor’s degree in Finance, Economics, Statistics, or other related fields
• Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries
• Ability to translate business and financial data into cohesive narratives outlining potential credit risks and mitigation strategies
• Strong written, verbal, and problem-solving skills
• Attention to detail while managing priorities in a fast-paced environment
• Ability to comfortably interact with the CFOs and CEOs of top merchants
• Deep empathy for entrepreneurs running a business and motivation to solve problems to empower them

Preferred Qualifications

• Demonstrated technical expertise, including SQL
• Strong data visualization skills and a passion for data and analysis
• Experience working in tech or other fast-paced, high-growth environments

Compensation & Benefits

• Annual US base salary range: $121,600 - $182,400
• For sales roles (if applicable), the stated range is the On Target Earnings (OTE) range, including both sales commissions/bonuses target and annual base salary
• This salary range may be inclusive of several career levels and will be narrowed during the interview process based on experience, qualifications, and location
• Applicants not located in the US may request the annual salary range for their location during the interview process

Additional benefits may include:

• Equity
• Company bonus or sales commissions/bonuses
• 401(k) plan
• Medical, dental, and vision benefits
• Wellness stipends

Location & Work Arrangement

Hybrid work is available either in an office or remote location.

• Remote location definition: 35+ miles (56+ km) from a company office
• Office-assigned expectations: spend at least 50% of the time in a given month in the local office or with users
• Remote expectations: regularly work from home rather than a company office
• Relocation costs are not covered for remote locations

Application Window

The application window will remain open for 100 days after the Job Post is published, but may close earlier or later based on business needs.