Credit Risk Analyst

• The Credit Risk Analyst plays a crucial role in reviewing and investigating merchant accounts to assess fraud and credit risk exposure
• This position involves conducting regular reviews of merchant accounts, determining account credit limits based on customer activity, forecasting potential growth, reviewing processing history, and conducting in-depth risk analysis to ensure the security and profitability of the organizations merchant portfolio

Responsibilities:

• Determine account credit limits by analyzing customer activity, processing history, financial data and business potential.
• Regularly reassess and adjust credit limits based on changes in customer activity, industry trends, and risk factors.
• Make decisions on required reserve amounts and releases.
• Investigating abnormal processing patterns and recommending appropriate actions.
• Assessing and evaluating business model risk and exposure by evaluating merchant industry type, processing volume, refunds volume, delivery time frames and disputes.
• Collaborate with fraud prevention teams to implement strategies for identifying and mitigating fraud risks.

Preferred Qualifications:

2+ years of relevant work experience is preferred.

• Knowledge of payment processing systems and industry regulations.
• Excellent communication and collaboration skills.
• Strong analytical skills and proficiency in data analysis tools.
• Self-Motivated - Ability to work independently and as part of a team.
• Adaptability.
• Highly organized
• Problem solving and decision-making skills.
• Ability to multitask throughout the workday.
• Maintain reliability through attending scheduled shifts.