Senior Credit Analyst

Every.io

About The Position

We're looking for a Senior Credit Analyst to be Every's first dedicated credit hire. You'll work directly with leadership to review inbound charge card applications, sharpen our underwriting criteria, and help build a credit program that scales responsibly. This is a high-impact individual contributor role sitting at the intersection of credit analysis and portfolio risk. You should have direct experience reviewing and decisioning corporate charge card applications (not consumer cards). The credit dynamics, data signals, and risk considerations are different, and we need someone who already understands that distinction. This role is right for someone who's comfortable working from incomplete data, wants to shape a credit function from 0-1, and isn't looking to execute inside a large institution.

Requirements

5+ years in credit analysis, underwriting, or credit risk at a fintech, bank, or credit union
Hands-on experience reviewing and decisioning corporate charge card applications; consumer card experience alone won't transfer here
Familiarity with business credit products: charge cards, revolving credit, or business loans
Strong analytical skills, comfortable in Excel or Google Sheets
Ability to work independently and manage a high-volume queue with accuracy and speed

Nice To Haves

Experience at a charge card issuer (Brex, Ramp, Divvy, Capital One, Amex)
Exposure to credit scoring model development or scorecards
Familiarity with Plaid or bank data providers used for cash flow underwriting
Experience underwriting small and medium-sized businesses (SMBs)
Python or R for data analysis

Responsibilities

Review inbound charge card applications and make approve / decline / manual review recommendations
Handle manual reviews for edge cases, exception requests, and higher-limit applications
Document your decisioning rationale clearly for each application
Manage the application queue and keep turnaround times tight for applicants
Apply and refine underwriting criteria, scoring logic, and credit limits by customer segment
Analyze repayment data to spot patterns and recommend adjustments
Help build out decisioning criteria as we accumulate more repayment and transaction history
Flag anomalies, fraud signals, and high-risk patterns to leadership
Track portfolio performance: delinquency rates, payment failures, ACH returns, and loss trends
Surface early warning signals and recommend proactive interventions
Produce regular reporting on portfolio health for internal stakeholders
Support compliance with relevant regulations (ECOA, Fair Lending, NACHA)
Partner with product and engineering on credit tooling, including application flows, internal review dashboards, and repayment infrastructure
Work with operations on collections, customer escalations, and disputes
Contribute to vendor evaluations for credit bureaus, bank data providers, and fraud tools