Senior Credit Analyst

Vaco; Palmetto (FL); On-site; USD 60,000 - 100,000; Full time

Job summary

An innovative firm is on the lookout for a Senior Credit Analyst to enhance their finance team. This pivotal role involves managing credit risk across various sectors, including merchant processing and consumer lending. The ideal candidate will leverage their analytical expertise to refine credit policies and support capital raise initiatives. With a focus on collaboration and strategic insight, this position offers the chance to contribute significantly to risk management and financial growth. Join a dynamic environment where your skills can make a lasting impact in the world of finance.

Qualifications

• 2+ years of experience in credit analysis or underwriting, preferably in fintech.
• Strong understanding of credit risk management principles and regulatory requirements.

Responsibilities

• Assist in underwriting processes and evaluate merchant accounts and financial statements.
• Monitor portfolio performance metrics and provide insights into customer segmentation.

Skills

Credit Analysis

Financial Modeling

Data Analytics

Excel

SQL

Python

Communication Skills

Education

Bachelor's degree in Finance

Bachelor's degree in Economics

Bachelor's degree in Accounting

Tools

BI Tools

Job description

Position Summary:

We are seeking an experienced Senior Credit Analyst to join our finance team and play a critical role in managing credit risk across merchant processing (indirect credit), direct-to-consumer lending, and supporting strategic capital raise initiatives. The ideal candidate brings a strong analytical background, deep understanding of credit markets, and experience in underwriting both merchant and consumer credit.

Key Responsibilities:

Merchant Processing (Indirect Credit):

• Assist in the application and underwriting process with potential merchant servicing providers by evaluating existing merchant accounts, transaction data, financial statements, and underwriting guidelines.
• On-board and maintain merchant processing providers, managing provider lineup, capacity/utilization, hardware/software, and revenue reconciliation.
• Report and monitor ongoing credit exposure related to chargebacks, returns, reserves, settlement risks, and PCI compliance.
• Collaborate with risk, operations, and compliance teams to refine credit policies for merchant onboarding and portfolio management.
• Conduct risk reviews and recommend mitigation strategies for deteriorating credit signals.
• Create and maintain standard operating procedures.
• Monitor and report on user access and permissions.

Consumer Debt (Direct Credit):

• Underwrite consumer lending applications using credit bureau data, income verification, and internal models.
• Work with sales to refine credit scoring models and loan terms.
• Monitor portfolio performance metrics including applications, growth, revenue, delinquency, pay-offs, charge-offs, and customer repayment behavior.
• Monitor and report on user access and permissions.
• Provide insights into customer segmentation and risk-adjusted pricing strategies.
• Create and maintain standard operating procedures.

Capital Raise Support:

• Develop financial materials and analysis for investor due diligence and capital raising activities.
• Assist in structuring and evaluating debt instruments, including loan sales and warehouse lines.
• Coordinate with treasury and FP&A teams to align funding strategies with portfolio growth and risk profile.

Qualifications:

• Bachelor's degree in Finance, Economics, Accounting, or related field.
• At least 2 years of experience in credit analysis or underwriting, preferably in fintech, merchant services, or consumer lending.
• Deep understanding of credit risk management principles, underwriting standards, and regulatory requirements.
• Strong financial modeling, Excel, and data analytics skills; experience with SQL, Python, or BI tools is a plus.
• Excellent communication and presentation skills for technical and non-technical audiences.
• Experience supporting capital raise or investor relations is highly desirable.

Preferred Attributes:

• Experience in high-growth or startup environments.
• Familiarity with payment processing infrastructure and settlement risk.
• Ability to operate cross-functionally in a fast-paced, evolving environment.

Vaco by Highspring values diversity and encourages applications from women, people of color, LGBTQ+ individuals, people with disabilities, ethnic minorities, foreign-born residents, and veterans.