Senior Credit Analyst
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Job Description
Senior Credit Analyst reviewing and decisioning corporate charge card applications. Shaping a credit program at fintech startup and managing portfolio performance oversight.
Responsibilities:
- Review inbound charge card applications and make approve / decline / manual review recommendations
- Handle manual reviews for edge cases, exception requests, and higher-limit applications
- Document your decisioning rationale clearly for each application
- Manage the application queue and keep turnaround times tight for applicants
- Apply and refine underwriting criteria, scoring logic, and credit limits by customer segment
- Analyze repayment data to spot patterns and recommend adjustments
- Help build out decisioning criteria as we accumulate more repayment and transaction history
- Flag anomalies, fraud signals, and high-risk patterns to leadership
- Track portfolio performance: delinquency rates, payment failures, ACH returns, and loss trends
- Surface early warning signals and recommend proactive interventions
- Produce regular reporting on portfolio health for internal stakeholders
- Support compliance with relevant regulations (ECOA, Fair Lending, NACHA)
- Partner with product and engineering on credit tooling, including application flows, internal review dashboards, and repayment infrastructure
- Work with operations on collections, customer escalations, and disputes
- Contribute to vendor evaluations for credit bureaus, bank data providers, and fraud tools
Requirements:
- 5+ years in credit analysis, underwriting, or credit risk at a fintech, bank, or credit union
- Hands-on experience reviewing and decisioning corporate charge card applications; consumer card experience alone won't transfer here
- Familiarity with business credit products: charge cards, revolving credit, or business loans
- Strong analytical skills, comfortable in Excel or Google Sheets
- Ability to work independently and manage a high-volume queue with accuracy and speed
Benefits:
- Offers Equity
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