Risk Analyst

Summary

Join Payability as a Risk Analyst and play a critical role in evaluating the creditworthiness of customers. You will review sales data and operational performance, oversee credit risk management, and ensure compliance. Using Looker and BigQuery, you'll produce data-driven risk reports. This role requires underwriting experience, strong analytical skills, and the ability to thrive in a dynamic environment. The ideal candidate will have a Bachelor's degree in a related field and a proven understanding of credit analysis. Payability offers a remote work environment and a competitive benefits package.

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
• 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

Responsibilities

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

Preferred Qualifications

Strong proficiency with Google Sheets and SQL; experience with Looker, BigQuery, and other reporting tools is highly preferred

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