Senior Analyst, Credit

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 is the AI-native platform for intelligent travel. For a decade, Engine has built the proprietary technology and supply behind modern business travel, serving over 40,000 customers and nearly 2 million travelers, along with leading travel and AI companies that build on Engine's infrastructure. One system powers business travel, group travel, human agents, and AI agents.

That work has earned recognition as one of Fast Company's Best Workplaces for Innovators (2025), TravelTech's Reservation Platform of the Year (2026), and one of Built In's Best Places to Work (2020–2026).

We're looking for bold, ambitious people to help redefine how businesses manage and experience travel. Working here, you can expect exponential growth, an ambitious pace, full ownership, and high-caliber colleagues who push you to do the best work of your career. Every hire raises the bar.

Come outpace the ordinary and build the future of travel with us.

About the Role

Engine X is a corporate card and spend management product with a growing application volume that requires rigorous, fast credit decisioning. The Sr. Credit Analyst owns the full underwriting cycle — application review, KYB, limit-setting, documentation, and escalation — with the analytical judgment to execute independently and the instinct to flag what the team needs to know.

What You'll Do

• Work the Engine X credit underwriting queue from receipt to decision — applying the credit decision framework with speed and documented rationale.


• Run KYB verification — validate business identity, interpret D&B and equivalent bureau data, and assess creditworthiness for each application.


• Actively flag steps in the underwriting workflow that can be systematized or removed — we're building toward a decision engine, and your observations from the queue feed that build.


• Document every decision to the standard required for exception review and regulatory defensibility — notes that stand on their own without verbal explanation.


• Identify patterns across applications — shared signals, exception trends, emerging risk indicators — and surface them proactively rather than treating each application in isolation.


• Support backtest analysis for proposed rule changes — help assess the impact of policy shifts on historical application data.


• Contribute to SOP development and documentation as the credit framework matures.


• Coordinate with the Fraud team on application-stage signals that overlap between fraud and credit risk.

What We're Looking For

• 3+ years of commercial or business credit analysis or underwriting experience — comfortable owning the full decision lifecycle independently.


• KYB process execution.


• Automation mindset — you're uncomfortable with manual processes that could be systematized and you say so. You see the queue as a source of signal for what to automate next, not just work to be done.


• Strong documentation — underwriting rationale that stands on its own for exception review or regulatory defensibility.


• Ability to identify patterns across applications and flag policy gaps proactively.


• Fintech, corporate card, or SMB credit environment strongly preferred.


• SQL or Google Sheets / Excel for data analysis a plus.


• Experience contributing to SOP or credit policy documentation a plus.

Applications for this role will be accepted through 02/11/2027 or until the role is filled.

Compensation Our compensation packages are based on several factors, including your experience, expertise, and location. In addition to a competitive base salary, all roles receive equity. Depending on the role, total compensation may also include an annual bonus. Your recruiter will share your complete compensation package as you move through the process.

Base Pay Range

$72,300 - $100,000 USD

The Engine Edge: Perks & Compensation We believe in rewarding great work with great benefits:

• Compensation: Competitive base pay tied to role and experience, with equity for all employees. Some roles are also eligible for bonuses or commissions.


• Environments for Success: Different roles have different needs in terms of the environments that drive success which is why we have a hybrid-hub model. Whether you are in one of our amazing offices or fully remote, we'll make sure you have what you need to succeed.

Perks and benefits may vary based on employment type, location, and more