Risk Analyst

Payability; United States; Remote; USD 102,000 - 135,000; Full time

Job summary

A leading company in the fintech sector is seeking a Risk Analyst to evaluate creditworthiness and oversee risk management processes. This fully remote role requires strong analytical skills and experience in financial risk operations. Join a dynamic team focused on transforming eCommerce funding solutions.

Benefits

Quarterly bonus potential

Opportunity to participate in company equity

Health insurance fully paid by company

Dental and vision coverage

401(k) plan

Paid Time Off and Company Holidays

Qualifications

• 2-3 years of experience in financial risk operations or underwriting.
• Proven understanding of credit analysis and underwriting principles.

Responsibilities

• Review new financing applications and assess credit risk.
• Monitor risk levels of existing customers and adjust credit limits.
• Create comprehensive risk reports using data from reporting tools.

Skills

Analytical Skills

Communication

Organizational Skills

Critical Thinking

Education

Bachelor's degree in Business

Bachelor's degree in Finance

Bachelor's degree in Economics

Tools

Google Sheets

SQL

Looker

BigQuery

Job description

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Company Overview

Payability empowers eCommerce sellers with flexible funding and tailored cash flow solutions. Since our founding in 2015, we have provided over $6 billion in funding to help thousands of sellers scale. Our team is fully remote, and we're looking for passionate, agile professionals to join us in transforming how online businesses grow.

Company Overview

Payability empowers eCommerce sellers with flexible funding and tailored cash flow solutions. Since our founding in 2015, we have provided over $6 billion in funding to help thousands of sellers scale. Our team is fully remote, and we're looking for passionate, agile professionals to join us in transforming how online businesses grow.

Role Overview

As a Risk Analyst at Payability, you will play a critical role in evaluating the creditworthiness of new and existing customers by reviewing historical sales data and operational performance. You will oversee credit risk management, execute periodic reviews, and maintain compliance with internal and external standards. Using reporting tools like Looker and BigQuery, you'll also produce data-driven risk reports to support decision-making and strategic planning.

This position is ideal for someone with prior underwriting experience who thrives in dynamic environments, is highly analytical, and is motivated to continuously improve existing processes.

Key Responsibilities

• Financing Application Review: Review new financing applications by evaluating historical sales data and conducting general company research to assess credit risk
• Customer Risk Monitoring: Monitor risk levels of existing customers and adjust credit limits as necessary during scheduled reviews
• E-commerce Risk Evaluation: Assess e-commerce performance indicators, including sales trends, inventory levels, and order fulfillment metrics
• Payout Verification: Verify customer payout requests and approve them according to established risk guidelines
• Risk Reporting: Create comprehensive risk reports using system-generated data via Looker and BigQuery
• Compliance Oversight: Ensure customer compliance with payment provider requirements and Payability's general compliance standards. Complete monthly KYC audits in partnership with third-party vendors
  
  
  

Requirements

• 2-3 years of experience in financial risk operations, underwriting, or a similar role within fintech, alternative lending, or specialty finance
• Proven understanding of credit analysis and underwriting principles
• Strong proficiency with Google Sheets and SQL; experience with Looker, BigQuery, and other reporting tools is highly preferred
• Excellent organizational and time-management skills; ability to thrive in a high-speed, remote team environment
• Superior written and verbal communication skills; able to present findings clearly to a range of stakeholders
• Ability to think critically and independently while contributing as part of a collaborative team
• Bachelor's degree in Business, Finance, Economics, or a related field
• A strong business acumen with interest in fintech and eCommerce innovation
  
  
  

Benefits

• Quarterly bonus potential based on achievement of company OKRs
• Opportunity to participate in company equity
• Full benefits: health (employee coverage fully paid by company), dental, vision
• 401(k) plan
• Paid Time Off and Company Holidays

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance

• Industries

  IT Services and IT Consulting

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