Payments Credit Risk Analyst

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

Job summary

A leading hospitality solutions provider is seeking a Payments Risk Credit Analyst to protect their global payments portfolio and influence credit policy decisions. The ideal candidate has a strong background in payments risk and credit analysis, with 3+ years of experience. This role offers competitive compensation, remote work flexibility, and opportunities for professional development.

Benefits

Flexible working hours

Paid parental leave

Professional development opportunities

Qualifications

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

Responsibilities

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

Skills

Payments risk analysis

Credit analysis

Risk frameworks

Excel/Sheets proficiency

SQL knowledge

Clear communication

Job description

At Cloudbeds, we're transforming hospitality with an intelligent platform that powers properties across 150 countries and processes billions in bookings annually. We support independent properties to hotel groups with a unified platform that integrates with hundreds of partners, and we operate with a completely remote team. Join a team building AI-powered solutions to solve hoteliers' biggest challenges. Since our founding in 2012, we've been recognized as the World's Best Hotel PMS Solutions Provider and sailed onto Deloitte's Technology Fast 500 again in 2024.

What 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. This role is highly impactful: your insights will influence how we onboard, manage, and protect our global payments portfolio. You’ll own problems end-to-end, learn continuously as our product and payments offerings evolve, and help navigate the complexities of a fast-growing fintech environment.

We’re a collaborative, data-driven team that safeguards Cloudbeds while empowering customers to grow with confidence. We work 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, and expect each team member to be self-driven and comfortable making decisions in an ambiguous environment.

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)

Compensation

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

What to Expect - Your Journey with Us

Cloudbeds is a 650+ person team across 40+ countries, bringing together engineers, AI architects, designers, and hospitality veterans to solve challenges others haven’t tackled. Our diverse team speaks 30+ languages, united by a passion for innovation and travel. We’re advancing machine learning and enhancing how hotels operate. If you’re ready to work with experts using AI to transform a trillion-dollar industry, this is your opportunity.

• Top workplaces in HotelTechAwards and notable recognitions
• Remote-first culture with flexible working
• PTO in line 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 professionals
• Ongoing professional development, including management training and upskilling

Everyone is Welcome - A Culture of Inclusion

Cloudbeds is proud to be an Equal Opportunity Employer that celebrates diversity in our global team. We do not discriminate based on race, religion, color, national origin, gender (including pregnancy and related medical conditions), sexual orientation, gender identity or expression, age, disability status, or other legally protected characteristics.

We are committed to the full inclusion of all qualified individuals. If reasonable accommodations are needed during the hiring process, please contact our HR team. We will provide reasonable accommodations as required.

Equal Employment Opportunity Information

For government reporting purposes, candidates may be asked to respond to voluntary self-identification questions. Participation is voluntary and will not affect hiring. Any information provided will be kept confidential and used to identify areas of improvement in our hiring process.