Overview
This role involves working as a Credit Risk Analyst Commercial Underwriter on the North America Strategy Risk team for a leading financial infrastructure platform. The position focuses on underwriting and managing a portfolio of large and fast-growing businesses to support growth objectives while minimizing credit risk. The role requires strong collaboration with Sales, Legal, Treasury, and Finance teams.
This position is assigned to West Coast hours, with a strong preference for candidates located in the Pacific time zone.
Responsibilities
- Evaluate business models and financial statements of top merchants, including venture-backed startups and established institutions
- Provide tailored credit risk recommendations to mitigate exposure while facilitating partner growth
- Develop a deep understanding of risk across various industries, geographies, and operating models to manage the portfolio effectively
- 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 and portfolio coverage metrics
- Collaborate with internal and external partners to support merchants globally
Minimum Requirements
- 5+ years of relevant experience in commercial credit underwriting, financial risk modeling, and cash flow forecasting
- Bachelor's degree in Finance, Economics, Statistics, or related fields
- Strong knowledge of accounting principles and ability to evaluate financial statements and business models across industries
- Ability to translate business and financial data into clear narratives outlining credit risks and mitigation strategies
- Excellent written, verbal, and problem-solving skills
- Attention to detail and ability to manage priorities in a fast-paced environment
- Comfortable interacting with CFOs and CEOs of top merchants
- Empathy for entrepreneurs and motivation to solve problems to empower business owners
Preferred Qualifications
- Strong technical skills, including experience with SQL
- Proficiency in data visualization and a passion for data analysis
- Experience working in technology or other fast-paced, high-growth environments
Location
This role requires availability during West Coast hours with a high preference for candidates in the Pacific time zone.