Payments Credit Risk Analyst

Third-Party Job Posts; Canada; Remote; CAD 60,000 - 80,000; Full time

Job summary

A leading hospitality technology company is seeking a Payments Risk Credit Analyst to help safeguard their operations and global payments portfolio. This remote role requires strong analytical skills in payments risk, credit analysis, and a collaborative spirit as you work across teams. The ideal candidate will have at least 3 years of relevant experience and will thrive in a fast-paced fintech environment. The company values diversity and inclusion and offers a remote-first work culture.

Benefits

Full Paid Parental Leave

Home office stipend

Professional development courses

Access to Therapy and Coaching

Qualifications

• 3+ years in payments risk, PayFac credit analysis, or merchant acquiring.
• Strong experience with risk frameworks for payment processors.
• Experience with SMB credit risk or merchant underwriting.

Responsibilities

• Assess merchant financials, payment flows, and credit risk indicators.
• Recommend credit limits, reserves, and payout hold thresholds.
• Analyze chargeback and refund trends.

Skills

Payments risk analysis

Credit analysis

Risk frameworks

Excel/Sheets proficiency

Communication skills

Attention to detail

Tools

SQL

BI tools

Job description

At Cloudbeds, we're not just building software, we’re transforming hospitality. Our intelligently designed platform powers properties across 150 countries, processing billions in bookings annually. From independent properties to hotel groups, we help hoteliers transform operations and uplevel their commercial strategy through a unified platform that integrates with hundreds of partners. And we do it with a completely remote team.

How You'll Make an Impact:

As a Payments Risk Credit Analyst, you’ll play a key role in protecting Cloudbeds and our hotel partners as we scale rapidly. This role is highly impactful: your insights will directly influence how we onboard, manage, and protect our global payments portfolio. You’ll thrive by owning problems end-to-end, learning continuously as our product and payments offerings evolve, and helping us navigate the complexities of a hyper-growth fintech environment.

We’re a collaborative, data-driven team that safeguards Cloudbeds while empowering our customers to grow with confidence. We work closely with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks before they materialize.

What You Bring to the Team:

• Assess merchant financials, payment flows, and credit risk indicators
• Recommend credit limits, reserves, and payout hold thresholds
• Analyze chargeback and refund trends to detect emerging risks
• Review entity changes, liens, and restructuring for financial impact
• Partner across Finance, Risk Ops, and Legal to refine credit policy
• Support audits, board reporting, and ongoing credit policy reviews

What Sets You Up for Success:

• 3+ years in payments risk, PayFac credit analysis, and / or merchant acquiring
• Strong experience with risk frameworks for payment processors or SaaS companies running PayFac models
• Proficiency in Excel/Sheets; SQL and / or BI tools
• Experience with SMB credit risk or merchant underwriting
• Clear communicator who can simplify complex risk issues for diverse audiences
• High attention to detail with a bias for action

Bonus Skills to Stand Out (Optional):

• Background in fintech or hospitality payments
• Familiarity with chargeback processes and reserve adequacy modeling
• Knowledge of credit scoring frameworks and risk modeling tools (Python/R)
• Risk certifications (CRC, FRM, CFA, or similar)

What to Expect - Your Journey with Us

Behind Cloudbeds' revolutionary technology is a team of redefining what's possible in hospitality. We're 650+ employees across 40+ countries, bringing together elite engineers, AI architects, world-class designers, and hospitality veterans to solve challenges others haven’t dared to tackle.

• Overall 10 Best Places to Work | HotelTechAwards (2025)
• Top 10 People’s Choice(2024)
• Remote First, Remote Always
• PTO in accordance with local labor requirements
• Full Paid Parental Leave
• Home office stipend based on country of residency
• Professional development courses in Cloudbeds University
• Access provided to professional Therapy and Coaching

Everyone is Welcome - A Culture of Inclusion

Cloudbeds is proud to be an Equal Opportunity Employer that celebrates the diversity in our global team! We do not discriminate based upon race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

Cloudbeds is committed to the full inclusion of all qualified individuals. As part of this commitment, Cloudbeds will ensure that persons with disabilities are provided reasonable accommodations in the hiring process.