Credit Operations Collections Analyst

United States Digital Space LLC; Toronto; On-site; CAD 90,000 - 120,000; Full time

Job summary

United States Digital Space LLC is seeking an experienced Credit Operations Collections Analyst to join a global risk operations team. You will execute collections and workouts at scale while reducing credit risk and partnering with engineering, strategy, sales, and vendor management.

The role requires a minimum of four years in commercial credit collections within payments, fintech, or financial services, and collaboration across cross-functional teams.

Qualifications

• Minimum four years of commercial credit collections and workouts experience.
• 1+ year leading risk projects with cross-functional teams.
• Experience using data to solve tactical and strategic problems.
• Strong problem solving, teamwork, and initiative.
• Empathy for entrepreneurs and customer-focused mindset.

Responsibilities

• Work with merchants from startups to established institutions.
• Conduct in-depth credit reviews to identify concerns and strategies.
• Investigate escalations across channels and respond promptly.
• Own credit collections reviews and urgent risk escalations with clear docs.
• Identify risk trends and report to the risk team.
• Use analytics to optimize strategies across the portfolio.
• Maintain regular communication with cross-functional stakeholders.
• Suggest enhancements to policies and processes.
• Lead work streams on credit decisioning and accuracy.

Job description

Who we are About the company

the company is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use the company to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

About the team

The Risk Operations team is looking for an experienced Credit Operations Collections Analyst to join an industry leading global credit operations team. As a Credit Analyst, you will execute operational collections and workout processes at scale while devising growth friendly solutions that reduce the company’s credit risk.

Did you know that only around 4% of the world’s GDP comes from internet commerce? At the company, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn’t come without significant risk. Billions of dollars are processed by the company each year and the Credit Operations team works to ensure that exposure is minimised while facilitating company growth.

We are looking for someone passionate about commercial credit, the payments ecosystem, and has a strong desire to work collaboratively with peers and partners in the credit space while building and enhancing the company’s collections processes at scale. This person will work alongside a global team of analysts and build cross functional partnerships with engineering, strategy, sales, vendor management and more.

The right candidate for this role should have an understanding of general credit principals, risk management, and credit modeling. Successful candidates for the role will have a *minimumof four years*** experience in commercial credit collections and workouts within the payments, fintech, or financial service spaces.

What you’ll do

• Work with merchants from venture-backed startups to well established institutions
• Complete in-depth credit reviews on merchants to identify credit concerns and collections strategies
• Investigate and action/triage escalations across multiple channels while providing accurate and timely responses
• Own various operational processes that the team performs such as credit collections reviews and handling urgent risk-related escalations whilst upholding a strong commitment to process excellence and clear documentation
• Identify risk factors & trends and further report said trends to the wider risk team
• Utilize analytics to optimize strategies which can be enforced across the portfolio
• Maintain regular communication with cross-functional stakeholders
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements
• Lead team work streams related to credit decisioning & accuracy, providing updates in team and org wide business reviews.

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.

Minimum requirements

• 4+ years of relevant experience in commercial credit collections and managing workouts with a solid understanding of general commercial credit principals.
• 1 or more years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders.
• Experience using data to propose creative solutions to both tactical and strategic problems
• Creativity, a team-focused mentality, and effective problem solving skills
• The ability and desire to question the status quo
• The ability to approach challenges from a user perspective while being pragmatic and solutions oriented
• Deep empathy for entrepreneurs running a business and are motivated to solve problems to empower them

Preferred qualifications

• Credit experience in payments, e-commerce, or fintechs
• Experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations