Remote Senior Credit Analyst - Fintech Underwriting

Engine; United States; Hybrid; USD 72,000 - 100,000; Full time

Benefits offered by this job

Equity

Hybrid work model

Bonuses/Commissions

Job summary

Engine, the AI-native platform for intelligent travel, seeks a Sr. Credit Analyst to own the full underwriting cycle for Engine X—from application review to escalation. You will validate business identity, interpret bureau data, and assess creditworthiness with a focus on automation and regulatory defensibility.

You will document decisions, identify patterns across applications, and collaborate with Fraud and policy teams. Hybrid work options are available as the company scales risk management.

Qualifications

• 3+ years of commercial or business credit analysis or underwriting experience.
• KYB process execution.
• Automation mindset with preference for reducing manual work.
• Strong documentation for exception reviews and regulatory defensibility.
• Ability to identify patterns across applications and flag policy gaps.
• Fintech, corporate card, or SMB credit environment preferred.
• Experience contributing to SOP or credit policy documentation is a plus.

Responsibilities

• Underwrite and decide credit applications in the underwriting queue with fast, well-documented rationale.
• Run KYB verification, assess business identity and bureau data to determine creditworthiness.
• Flag steps for automation and contribute to a future decision engine.
• Document every decision for exception reviews and regulatory defensibility.
• Identify patterns and signals across applications and surface risk indicators.
• Support backtest analysis for proposed policy changes and model updates.
• Contribute to SOP development as the credit framework matures.
• Coordinate with Fraud on overlapping application-stage signals.

Skills

Credit analysis

KYB processing

Automation mindset

Documentation

Pattern identification

Fintech/credit experience

Tools

SQL

Google Sheets

Excel

Job description

Engine, the AI-native platform for intelligent travel, seeks a Sr. Credit Analyst to own the full underwriting cycle for Engine X—from application review to escalation. You will validate business identity, interpret bureau data, and assess creditworthiness with a focus on automation and regulatory defensibility.

You will document decisions, identify patterns across applications, and collaborate with Fraud and policy teams. Hybrid work options are available as the company scales risk management.