Credit Risk Analyst Commercial Underwriter, West Coast

Overview

This role supports end-to-end credit risk management for large and complex users, providing data-driven underwriting decisions across the user lifecycle—from onboarding through loss recovery. The Credit team’s work enables business growth by making confident, calibrated decisions for the highest-exposure accounts.

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

Responsibilities

• Work directly with top merchants, from venture-backed startups to well-established institutions, to evaluate business models and financial statements
• Provide tailored credit risk recommendations that mitigate exposure while facilitating merchant growth
• Manage a portfolio by developing 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 help the team deliver on key performance indicators (e.g., credit loss targets, portfolio coverage metrics)
• Partner with internal and external stakeholders to support merchants around the world

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 transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies
• Strong written, verbal, and problem-solving skills
• Strong 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, with 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, the stated range is the role’s On Target Earnings (OTE) range, which includes both sales commissions/bonuses target and annual base salary for the role
• Salary range may include several career levels and will be narrowed during the interview process based on factors including 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

Hybrid work is available either in an office or remotely (35+ miles or 56+ km from a local office).

• In-office expectations: Spend at least 50% of time in the local office (or with users) each month
• Remote expectations: A remote location is 35 miles (56 kilometers) or more from one of the offices. Regular work from home is expected rather than a local office. Relocation to a remote location is not covered. Applicants are encouraged to apply for roles that match the location where they currently live or plan to live.