Credit Risk Analyst

📋 Description

• Underwrite and monitor credit for SMBs and enterprise loans.
• Analyze impact of business model, industry and macro factors on risk.
• Develop and implement credit risk strategies to improve portfolio performance.
• Improve global and US credit risk framework, policies and practices.
• Collaborate with Commercial, Product, Compliance and partners on risk.
• Explore AI-driven automation to streamline underwriting and decisions.

🎯 Requirements

• 3+ years of commercial credit underwriting experience (banking/fintech/SMEs).
• Strong analytical skills; interpret financial statements; identify risk drivers.
• Experience managing credit portfolios across SMB lending, working capital, overdrafts.
• Experience in high-volume, scalable credit environments; payments automation a plus.
• Familiarity with U.S. regulatory frameworks; regulatory experience a plus but not required.
• Clear communicator; engage regulators, merchants, and partners; translate risk to actions.

🎁 Benefits

• Hybrid work arrangement in Chicago (3x per week).
• International, diverse team with ownership and collaboration.
• Opportunity to shape risk processes and product direction.
• Competitive compensation package.
• Inclusive culture with DEI commitments.