Senior Credit Analyst

This is a fully remote position, open to applicants in United States, +4 more locations.

📋 Description

• Underwrite new commercial charge card applications and provide clear, defensible justifications.

• Manage portfolio monitoring and re-evaluate existing card customers.

• Detect risk changes promptly and suggest appropriate actions.

• Create and refine underwriting and monitoring procedures.

• Assist Customer Success, Sales, and Risk/Compliance teams with card account inquiries.

• Propose appropriate credit product recommendations.

• Organize escalation processes for complex or exceptional cases.

• Offer analytical support and contribute to enhancements in credit policy and procedures.

⛳️ Requirements

• Experience in a fintech or banking environment dealing with highly regulated financial products.

• Proficient in credit analysis, particularly financial statement evaluation.

• Comfortable utilizing cash and revenue-based underwriting methods.

• Possess sound judgment in uncertain situations and ability to make defensible decisions without excessive risk.

• Demonstrated analytical curiosity and capability to discern patterns across applications and accounts.

• Familiarity with SQL and/or Python is preferred, but not mandatory.

🏝️ Benefits

• Equity (stock options/RSUs)

• Comprehensive benefits package

• Reasonable accommodations provided throughout the recruitment process for applicants with disabilities or special needs.