Senior Risk Analyst

The job overview for this role at Gravity Payments is to build a risk foundation that will drive the company's future success. The ideal candidate will have experience in risk analysis and management, with a focus on providing a positive merchant experience. They will be responsible for implementing strategies to reduce fraudulent activities and credit losses, conducting thorough credit and fraud analysis, and identifying opportunities to enhance risk management operations. Additionally, the candidate will coach and mentor teams, manage parameters to ensure a smooth merchant experience, and adjust policies based on client and industry patterns.

• Work with Risk and Underwriting teams to implement strategies that reduce or prevent fraudulent activities and credit and fraud losses
• Perform deep credit and fraud analysis on merchant processing activity, financials, and/or profiles to assess and mitigate risk
• Identify opportunities to enhance risk management operations on a day-to-day basis
• Perform risk reviews based on daily activity or periodic cadences
• Review risk losses on a monthly basis across all channels and adjust the approach based on findings
• Coach and mentor teams at Gravity and external clients on risk operations and best practices
• Manage parameters across the portfolio to ensure a smooth merchant experience while limiting financial risk exposure
• Develop an understanding of the portfolio and adjust policies and reviews accordingly
• Interact with merchants, Sales teams, Customer Facing Teams, and Underwriting teams to solve risk-related issues collaboratively and with a sense of urgency
• Identify trends and conduct root-cause analysis to isolate key performance drivers
• Creatively problem-solve complex situations with merchants and partners to find mutually desired solutions
• Utilize data manipulation and quantitative analysis to manage credit risk exposure across a large portfolio

Multiple years of experience in risk analysis and management

Curiosity, flexibility, and care with internal/external customers

Experience in developing operations and enhancing risk practices

Ability to create new processes and implement new technologies

Coaching and development skills

Flexibility, creativity, decisiveness, and analytical thinking

Work with Risk and Underwriting teams to implement strategies

Perform deep credit and fraud analysis

Identify opportunities to enhance risk management operations

Perform risk reviews based on daily activity or periodic cadences

Review risk losses on a monthly basis

Coach and mentor teams relating to risk operations and best practices

Manage parameters across the portfolio

Develop an understanding of the portfolio and adjust policies and reviews accordingly

Interact with merchants, Sales teams, Customer Facing Teams, and Underwriting teams

Identify trends and conduct root-cause analysis

Problem-solving skills

Data manipulation and quantitative analysis skills

5-10 years of previous Risk Analyst experience in the payments industry

Experience with Risk at an ISO and/or working with Fiserv/First Data

Knowledge of card brand and processor rules

Demonstrated ability to coach and develop team members

Demonstrated success in finding creative solutions

Ability to analyze risk, make a recommendation, developing and executing

Competitive salary range of $80,000 - $170,000

Potential for salary negotiation

Opportunity to work in the payments industry

Access to a wired internet connection

Access to a Windows Based PC

Opportunity to work with a diverse team

Equal opportunity employer