Risk Analyst

Payability; United States; Remote; USD 50,000 - 80,000; Full time

Job summary

Join a forward-thinking company as a Risk Analyst, where you'll evaluate the creditworthiness of eCommerce sellers and play a vital role in their financial success. This role involves analyzing historical sales data, conducting risk assessments, and generating insightful reports using advanced tools like Looker and BigQuery. If you thrive in dynamic environments and are passionate about fintech and eCommerce innovation, this opportunity offers a chance to make a significant impact while enjoying a fully remote work setup and a comprehensive benefits package.

Benefits

Quarterly bonus potential

Company equity participation

Fully paid health insurance

Dental insurance

Vision insurance

401(k) plan

Paid Time Off

Holidays

Qualifications

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

Responsibilities

• Evaluate new financing applications and assess credit risk.
• Monitor risk levels of existing customers and adjust credit limits.

Skills

Financial Risk Operations

Underwriting

Credit Analysis

SQL

Google Sheets

Communication Skills

Education

Bachelor's Degree in Business

Bachelor's Degree in Finance

Bachelor's Degree in Economics

Tools

Looker

BigQuery

Job description

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 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

1. Financing Application Review: Evaluate new financing applications by reviewing historical sales data and conducting company research to assess credit risk.
2. Customer Risk Monitoring: Monitor risk levels of existing customers and adjust credit limits during scheduled reviews.
3. E-commerce Risk Evaluation: Assess performance indicators such as sales trends, inventory levels, and order fulfillment metrics.
4. Payout Verification: Verify customer payout requests and approve them according to risk guidelines.
5. Risk Reporting: Generate comprehensive risk reports using data from Looker and BigQuery.
6. Compliance Oversight: Ensure customer compliance with payment provider requirements and Payability standards, including monthly KYC audits in partnership with third-party vendors.

Requirements

1. 2-3 years of experience in financial risk operations, underwriting, or similar roles within fintech, alternative lending, or finance sectors.
2. Understanding of credit analysis and underwriting principles.
3. Proficiency with Google Sheets and SQL; experience with Looker, BigQuery, and reporting tools is highly preferred.
4. Excellent organizational, time-management, and communication skills.
5. Bachelor's degree in Business, Finance, Economics, or related field.
6. Strong business acumen with an interest in fintech and eCommerce innovation.

Benefits

1. Quarterly bonus potential based on company OKRs.
2. Opportunity to participate in company equity.
3. Full benefits including health (fully paid by the company), dental, and vision insurance.
4. 401(k) plan.
5. Paid Time Off and holidays.

Additional Details

• Seniority level: Entry level
• Employment type: Full-time
• Job function: Finance
• Industries: IT Services and IT Consulting