Payments Credit Risk Analyst

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

Job summary

A leading technology company in hospitality is seeking a Payments Risk Credit Analyst to protect its global payments portfolio. You will analyze merchant financials and recommend credit policies while collaborating with various departments. Ideal candidates have over 3 years of experience in payments risk analysis and strong communication skills. The position offers a remote-first culture with competitive compensation ranging from $75K to $120K depending on experience.

Benefits

Remote-first culture

Paid parental leave

Home office stipend

Qualifications

• 3+ years in payments risk or credit analysis.
• Experience with SaaS companies and PayFac models.
• Ability to simplify complex issues for various audiences.

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

Communication skills

Tools

Excel

SQL

BI tools

Job description

Overview

At Cloudbeds, we’re transforming hospitality with an intelligently designed platform that powers properties across 150 countries. We operate with a completely remote team and support hoteliers in transforming operations and commercial strategy through a unified platform that integrates with hundreds of partners.

How You\'ll Make an Impact

As a Payments Risk Credit Analyst, you’ll help protect Cloudbeds and our hotel partners as we scale. This role directly influences how we onboard, manage, and protect our global payments portfolio. You will own problems end-to-end, learn as our product and payments offerings evolve, and navigate the complexities of a hyper-growth fintech environment.

We collaborate with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks. You should be self-driven, comfortable making decisions in ambiguity, and focused on enabling customer success while safeguarding the business.

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 with 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 (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

Annual compensation ranges from $75K to $120K, depending on skills and experience.

What to Expect — Your Journey with Us

We are 650+ employees across 40+ countries, with a culture of remote work and collaboration across languages. We invest in innovation and growth, driven by a passion for hospitality and technology.

• Remote-first culture and flexible work arrangements
• 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 services
• Manager training, upskilling and knowledge transfer

Everyone is Welcome — A Culture of Inclusion

Cloudbeds is an equal opportunity employer that values diversity in our global team. We do not discriminate based on race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, veteran status, disability, or other legally protected characteristics. We provide reasonable accommodations in the hiring process as needed. If accommodations are required, please contact our HR team.

Equal Employment Opportunity Information

For government reporting purposes, we invite candidates to respond to a voluntary self-identification survey. Providing responses is optional and will not affect the hiring process. Any information provided will be kept confidential and used only to improve our hiring processes. We do not discriminate on the basis of protected status under applicable law.