Credit Operations Analyst

Quick Facts

• Role: Credit Operations Analyst (Credit Operations / Risk Operations)

• Focus: Commercial credit reviews, risk escalations, and scalable credit decisioning improvements

Description

Lead in-depth credit reviews on high-risk and strategic merchants and triage complex escalations across channels. Use analytics to optimize portfolio strategies and drive reporting of risk factors and trends to the risk team. Own and improve critical operational processes, documentation, and decisioning accuracy in a close cross-functional partnership.

Responsibilities

• Conduct complex, high-value credit reviews across the merchant life cycle

• Lead investigations and triage escalations across multiple channels with accurate, timely responses

• Own operational processes including urgent risk escalations and complex credit review workflows

• Identify risk factors and trends and lead strategic reporting to the broader risk organization

• Apply analytics to optimize and enforce strategies across the portfolio

• Maintain regular communication with cross-functional stakeholders and serve as a key point of contact for credit operations

• Identify gaps in systems, policies, and strategies; drive enhancements and process improvements

• Lead work streams related to credit decisioning and accuracy, providing updates in team and org-wide business reviews

Requirements

• 7+ years of relevant experience with deep understanding of general commercial credit principles

• 3+ years of experience leading risk-related projects or initiatives with cross-functional stakeholders

• Proven track record of using data to propose creative solutions to tactical and strategic problems

• Creativity, a team-focused mentality, and highly effective problem-solving skills

• Ability and desire to question the status quo and drive meaningful change

• Pragmatic, solutions-oriented approach with a user perspective

• Strong business judgment and ability to navigate complexity independently

• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations

Benefits

• Opportunity to drive scalable improvements in credit decisioning and operational excellence in a highly cross-functional environment.

• Work alongside global teams and partners across engineering, strategy, sales, and vendor management.