Credit Risk Analyst Jobs

About The Position

Requirements

• Must have bilingual proficiency in English & French
• 3+ years of experience in financial services, payments, or a related environment with exposure to fraud, risk, or credit decisioning
• 2+ years of customer service or client-facing experience, including handling complex or adverse situations
• Experience using Microsoft Excel and Microsoft Word to analyze data and create clear documentation
• Strong analytical, quantitative, and problem-solving skills, including the ability to interpret financial documents and merchant processing data
• Demonstrated ability to manage multiple priorities, organize detailed information, and meet deadlines in a high-volume environment
• Bachelor’s degree in business, finance, accounting, criminal justice, or a related field, or equivalent combination of education, related experience and/or military experience
• Must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

Nice To Haves

• Prior credit risk experience within merchant acquiring, card processing, or payments
• Experience with MasterCard and Visa association rules and regulations related to fraud, chargebacks, and risk programs

Responsibilities

• Review and investigate merchant accounts to assess fraud and credit risk exposure across assigned portfolios
• Make timely decisions on cases that require deeper investigation, identifying credit risk and emerging fraud trends
• Coordinate risk mitigation and fraud remediation efforts with partners in Funding, Legal, Operations, and Client Services
• Communicate high-risk activity, recommendations, and required actions clearly to internal and external stakeholders
• Analyze and calculate financial metrics including total and average processing volume, collateral needs, and potential loss exposure
• Negotiate collateral requirements and restructuring terms in alignment with established risk guidelines
• Resolve merchant inquiries through outbound and scheduled calls, documenting outcomes and next steps
• Complete special projects and ad hoc analyses to support risk initiatives and process improvements
• Work independently and as part of a team to manage a high volume of accounts in time-sensitive, high-pressure situations

Benefits

• Fuel Your Life program to support your physical, financial, social, and emotional well-being.
• Paid holidays and generous time away policies.
• No-cost mental health support through Employee Assistance Programs.
• Living Proof program to recognize your peers’ extra effort with points redeemable for rewards.
• Eight Employee Resource Groups to foster a collaborative culture and expand your network.
• Unparalleled professional growth with training, development, and internal mobility opportunities.
• Medical, dental, vision, life, and disability insurance options available from day one.
• Retirement planning and discounted shares with the Employee Stock Purchase Plan.
• Tuition assistance and reimbursement program.
• Paid parental, caregiver, and military leave.