Payments Credit Risk Analyst

Third-Party Job Posts; Illinois; Remote; USD 75,000 - 120,000; Full time

Job summary

A leading hospitality technology firm is seeking a Payments Risk Credit Analyst to protect its global payments portfolio. This role involves analyzing financials and recommending credit limits while collaborating across various teams. The ideal candidate has over 3 years of experience in payments risk and excels in communication and problem-solving. The role offers competitive compensation, ranging from $75K to $120K annually, along with a supportive remote-first culture.

Benefits

Remote-first culture

PTO in accordance with local labor requirements

Full Paid Parental Leave

Home office stipend

Professional development

Access to therapy and coaching

Qualifications

• Proficient in Excel/Sheets; experience with SQL and BI tools.
• Ability to analyze merchant financials and payment flows effectively.
• Clear communicator who can simplify complex risk issues.

Responsibilities

• Assess merchant financials and payment flow risks.
• Recommend credit limits and reserves.
• Analyze chargeback trends to detect risks.

Skills

Payments risk analysis

Credit analysis

Communication skills

Attention to detail

Education

3+ years in payments risk or PayFac credit analysis

Tools

Excel/Sheets

SQL

BI tools

Job description

Overview

At Cloudbeds, we're not just building software, we’re transforming hospitality. Our 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. Imagine working alongside global innovators to build AI-powered solutions that solve hoteliers' biggest challenges. Since our founding in 2012, we've become the World's Best Hotel PMS Solutions Provider and landed on Deloitte's Technology Fast 500 again in 2024 – but we're just getting started.

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. We support one another, but also expect each team member to be self-driven and comfortable making decisions in an ambiguous environment.

Responsibilities

• 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

Qualifications

• 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)

Compensation

Depending on your skills and experience, you can expect your annual compensation to be between $75K- $120K

What to Expect - Your Journey with Us

Behind Cloudbeds' revolutionary technology is a team redefining what's possible in hospitality. We're 650+ employees across 40+ countries, bringing together engineers, AI architects, designers, and hospitality veterans to solve challenges others haven't dared to tackle. Our diverse team speaks 30+ languages, but we all share one language: a passion for innovation and travel. If you're ready to work alongside some of the brightest minds in tech who are obsessed with using AI to transform a trillion-dollar industry, this is your chance to be part of something extraordinary.

• Remote-first culture with recognized awards and strong professional development
• PTO in accordance with local labor requirements
• Full Paid Parental Leave
• Home office stipend based on country of residency
• Professional development through Cloudbeds University
• Access to therapy and coaching
• Opportunities for manager training, upskilling and knowledge transfer

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 (including pregnancy, childbirth, or related medical conditions), 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, we will ensure that persons with disabilities are provided reasonable accommodations in the hiring process. If reasonable accommodation is needed to participate in the job application or interview process or to perform essential job functions, please contact our HR team. Cloudbeds will provide accommodations as needed.

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Equal Employment Opportunity Information

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is voluntary. Any information you provide will be kept confidential and will not influence the hiring process. We do not discriminate on the basis of any protected group status under any applicable law. If you choose to complete this survey, your responses may be used to identify areas of improvement in our hiring process.