Payments Credit Risk Analyst

Overview

This role involves working as a Payments Risk Credit Analyst within a rapidly scaling fintech environment focused on hospitality technology. The position is fully remote and supports a global payments portfolio that serves properties in over 150 countries.

Responsibilities

• Assess merchant financials, payment flows, and credit risk indicators
• Recommend credit limits, reserves, and payout hold thresholds
• Analyze chargeback and refund trends to detect emerging risks
• Review entity changes, liens, and restructuring for financial impact
• Collaborate with Finance, Risk Operations, and Legal teams to refine credit policies
• Support audits, board reporting, and ongoing credit policy reviews

Requirements

• Minimum 3 years of experience in payments risk, PayFac credit analysis, and/or merchant acquiring
• Strong knowledge of risk frameworks for payment processors or SaaS companies operating PayFac models
• Proficiency in Excel or Google Sheets; experience with SQL and/or business intelligence tools
• Experience with SMB credit risk or merchant underwriting
• Excellent communication skills with the ability to simplify complex risk issues for diverse audiences
• High attention to detail and a proactive approach to problem-solving

Preferred Qualifications

• Background in fintech or hospitality payments
• Familiarity with chargeback processes and reserve adequacy modeling
• Knowledge of credit scoring frameworks and risk modeling tools such as Python or R
• Relevant risk certifications (e.g., CRC, FRM, CFA)

Compensation & Benefits

• Annual salary range: $75,000 to $120,000, depending on skills and experience
• Fully remote work environment
• Paid time off in accordance with local labor laws
• Paid parental leave
• Home office stipend based on country of residence
• Access to professional development courses and training
• Access to professional therapy and coaching services
• Use of corporate apartment accommodations in select locations

Location

This is a remote position with a global team distributed across multiple countries.