Credit Analyst

Description About the role We are looking for a dynamic, detail-oriented, and customer-oriented credit analyst to join our growing Risk team. You will play a key role in the day-to-day operations of our trade credit portfolio — handling buyer underwriting, monitoring, and operational credit decisions while serving as a point of contact for our SMB customers. The ideal candidate is analytical, organized, comfortable with data, and excited to grow within a fast-paced, data-driven fintech environment, in a role that sits at the intersection of credit risk and financial technology. Responsibilities Utilize underwriting expertise to assess risk and evaluate SMB buyer applications for credit, using financial documents, bank statements, credit bureau reports, alternative data sources, and internally developed AI tools Support the creditworthiness evaluation of potential clients, merchants, and partners through comprehensive financial analysis and risk profiling Monitor and manage the existing credit portfolio, identifying potential risks and proposing strategies to mitigate them Handle incoming credit-related support tickets and manage direct interactions with buyers, providing professional and timely responses Support ad-hoc analytical tasks, monthly reporting, and contribute to ongoing improvements in credit processes and risk tooling Requirements Bachelor's degree in Accounting or Economics — Accounting highly preferred. Statistics or related fields also considered 1–3 years of proven experience in credit risk management and underwriting, preferably in the Fintech/Banking industry Strong experience in SMB underwriting, using alternative data sources, cash flow based underwriting, and SMB focused credit reports Strong analytical skills with the ability to interpret financial data and make sound credit decisions Excellent communication and interpersonal skills for effective customer interaction Detail-oriented and able to manage multiple priorities in a fast-paced environment Fluent English — written and verbal Tech-oriented with a willingness to work with and learn new tools and systems Working Setup Monday–Friday work week Flexibility to work East Coast hours (EST) required 2–3 days per week