Senior Analyst, Credit

Engine

1d • $72,300 - $100,000

About The Position

Engine is hiring a Senior Analyst, Credit to support Engine X, its corporate card and spend management product. The product's growing application volume requires rigorous and fast credit decisioning. The analyst owns the full underwriting cycle, including application review, KYB, limit-setting, documentation, and escalation, and is expected to make independent analytical decisions while proactively flagging important findings.

The role applies Engine's credit decision framework, assesses business identity and creditworthiness, documents decisions for exception review and regulatory defensibility, and identifies patterns and workflow opportunities that can inform automation and policy development. It also supports backtesting, SOP development, and coordination with the Fraud team.

Requirements

• At least 3 years of commercial or business credit analysis or underwriting experience, with the ability to independently own the full decision lifecycle.
• Experience with D&B or an equivalent commercial credit bureau.
• Experience executing KYB processes.
• Strong documentation skills, including writing underwriting rationale that supports exception review or regulatory defensibility.
• Ability to identify patterns across applications and proactively flag policy gaps.
• An automation mindset and willingness to identify manual processes that could be systematized.

Nice To Haves

• Fintech, corporate card, or SMB credit experience.
• SQL or Google Sheets / Excel skills for data analysis.
• Experience contributing to SOP or credit policy documentation.

Responsibilities

• Process Engine X credit underwriting applications from receipt through decision, applying the credit decision framework quickly and documenting the rationale.
• Perform KYB verification by validating business identity, interpreting D&B and equivalent bureau data, and assessing creditworthiness.
• Identify underwriting workflow steps that could be systematized or removed, and share observations to inform development of a decision engine.
• Document every decision to support exception review and regulatory defensibility, with notes that stand on their own.
• Identify patterns across applications, including shared signals, exception trends, and emerging risk indicators, and proactively surface them.
• Support backtest analysis for proposed rule changes by assessing the impact of policy shifts on historical application data.
• Contribute to SOP development and documentation as the credit framework matures.
• Coordinate with the Fraud team on application-stage signals that overlap between fraud and credit risk.

Benefits

• Competitive base pay tied to role and experience.
• Equity for all employees.
• Annual bonus or commissions for some roles.
• Benefits, with offerings varying by employment type, location, and other factors.
• A hybrid-hub model, with office or fully remote environments depending on role needs.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed