Credit Risk Analyst, EMEA Underwriting

United States Digital Space LLC; Ireland; On-site; EUR 60,000 - 90,000; Full time

Job summary

United States Digital Space LLC is seeking a Credit Analyst Underwriter on the North America Strategy Risk team to underwrite and manage a portfolio of our largest merchants, enabling growth while minimizing credit risk. You will work across Sales, Legal, Treasury, and Finance to ensure calibrated decisions.

The role requires 3+ years of relevant experience and a finance degree, with strong SQL and data visualization skills to inform risk strategies and pricing discussions.

Qualifications

• 3+ years of relevant experience in credit underwriting and risk management.
• Bachelor’s degree in Finance, Economics, Statistics, or related field.
• Strong knowledge of accounting and ability to analyze financial statements across industries.
• Ability to translate business data into clear credit risk narratives and mitigation strategies.
• Excellent written, verbal, and analytical communication skills.

Responsibilities

• Underwrite and manage a portfolio of top merchants to assess business models and financial statements.
• Provide tailored credit risk recommendations to balance growth and risk.
• Develop deep understanding of risk across industries, geographies, and operating models.
• Deliver insights to support senior management decisions on onboarding and pricing.
• Refine tools and processes to help meet credit loss targets and coverage metrics.
• Collaborate with Sales, Legal, Treasury, and Finance to support merchants globally.

Skills

Credit underwriting

Financial risk modeling

Cash flow forecasting

Communication

SQL

Education

Bachelor's degree in Finance

Economics/Statistics

Tools

SQL

Tableau

Job description

Who we areAbout 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 Credit team protects the company by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle- from onboarding to loss recovery. Our goal is to enable the company's growth by making confident, calibrated decisions on our highest-exposure users.

What you’ll do

the company handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company's financial and partnership success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate the company's growth objectives while minimizing the company's credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance.

Responsibilities

• Work directly with our top merchants, from successful venture-backed startups to well established institutions, to evaluate their business models and financial statements

• Provide tailored credit risk recommendations that mitigate the company's exposure, while facilitating partner company growth

• Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models

• Deliver insights to support senior management decisions, ranging from onboarding strategies to merchant pricing analysis

• Support the refinement of tools and processes to help the team deliver on key performance indicators, such as credit loss targets or portfolio coverage metrics

• Work with internal and external partners to support merchants around the world

Who you are

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

Minimum requirements

• 3+ years of relevant experience with knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting

• Bachelor’s degree in Finance, Economics, Statistics, or other related fields

• Strong knowledge of accounting principles and comfort evaluating financial statements and business models across a range of industries

• Ability to transform business and financial data into cohesive narratives that outline potential credit risks and present dynamic mitigation strategies

• Strong written, verbal, and analytical skills

• Attention to detail while managing priorities in a fast-paced environment

• Ability to comfortably interact with the CFOs and CEOs of our top merchants

• Deep empathy for entrepreneurs running a business, and are motivated to solve problems to empower them

Preferred qualifications

• Strong technical expertise, including demonstrated experience with SQL

• Strong data visualization skills and a passion for data and analysis

• Experience working in tech, or other fast-paced, high-growth environments