Credit Risk Decision Analyst Job at Satispay

Credit Risk Decision Analyst

As a Credit Risk Decision Analyst, you’ll play a key role in designing credit ri...

Location

Luxembourg

Salary:

Not provided

Satispay

Expiration Date

Until further notice

Requirements

2–5+ years in credit risk policy development (BNPL/short-tenor, SME/consumer, or trade credit)
Strong credit judgment: Can read liquidity, leverage, and cash-flow quality and connect them to limits, terms, and follow-ups
Technical skills: Working Python (pandas/numpy) and SQL skills to pull/clean data and ship repeatable analyses and reports
Communication skills: Clear, structured communication
short memos, crisp recommendations, and constructive collaboration within Finance and with Product/Data/Ops
Operating mindset: Organised, documentation-first mindset
decisions and exceptions are review-ready
Risk ownership: Experience defining or operating risk appetite and simple decision thresholds
Analytics enablement: Familiarity with BI tools (Looker/Metabase/Tableau) and versioned scripts/notebooks
Testing mindset: Comfort running small tests (e.g., threshold tweaks) and measuring impact

Job Responsibility

Credit risk strategy development
Cross-product monitoring & quantification
Risk appetite & policy
Data enablement for Finance (Python/SQL)
Early-warning & execution hygiene

What we offer

Unlimited paid time off
Psychological support & mental health webinars with Serenis
Flexible hybrid working system
Extended parental leave
Childcare leave
Professional development programmes
Internal mobility program
Language classes with Preply
Internal workshops & training
Stock Option Plan

Fulltime

Us Analyst - Credit Analyst - Risk And Permanent Control

DEPARTMENT: Risk and Permanent Control | Reports to: Senior Credit Officer US A...

Location

United States , New York

Salary:

Not provided

Crédit Agricole

Expiration Date

Until further notice

Requirements

Bachelor's degree in Finance or related field
Prior internships in credit analysis
Strong credit analysis skills
Balance sheet and income statement analysis experience
Understanding of cash flow and projection models
Understanding of risk exposure and sizing
Ability to analyze and summarize information
Ability to prioritize effectively and work autonomously
Strong teamwork and adaptability
Effective decision-making skills

Job Responsibility

Review credit requests from Front Office for completeness
Write comprehensive credit analyses evaluating borrower's industry, competitive position, financial statements, projections, transaction structure, exposure size, risks, and mitigants
Review and recommend borrower credit ratings using the bank's internal rating model
Collaborate with Sector Head to determine final recommendations for Senior Management and Credit Committee
Manage file completion under supervision of Senior Credit Analyst and Sector Head to meet deadlines
Verify data inputs in databases and resolve issues with commercial units
Monitor risk in assigned portfolio and prepare quarterly reports on sensitive names
Support ad hoc portfolio or counterparty research requests

Fulltime

Senior Credit Risk Analyst

Shopify Payments processes billions of dollars for millions of merchants across ...

Location

Salary:

Not provided

Shopify

Expiration Date

Until further notice

Requirements

3+ years of hands-on merchant risk analysis experience in payments or e-commerce
Deep knowledge of merchant credit risk patterns and the ability to connect scattered data points into a clear risk picture
Proven track record building mitigation strategies and detection rules that catch bad actors without hurting good merchants
Strong understanding of different business models and the specific risk profiles they carry
Clear, direct written and verbal communication skills — you explain complex situations in plain language to any audience
Experience managing risk for high-value processing volumes and high-visibility accounts
Solid understanding of chargeback processes: root causes, money movement, mitigation techniques, and monitoring programs
High proficiency with spreadsheet tools like Google Sheets or Excel
Comfort working in ambiguity where existing frameworks don't always apply and you need to figure it out

Job Responsibility

Review cases flagged by models and rules, analyze signals, and act fast to prevent merchant credit risk losses
Communicate directly with merchants via email to address concerns, gather information, and explain decisions in plain language
Handle escalated account inquiries for high-value and high-visibility merchants where the stakes are highest
Identify emerging risk patterns and industry trends, then work with data teams to sharpen detection rules and predictive models
Shape credit risk policy and team strategy by bringing deep domain expertise to the table
Collaborate with engineering and product teams to build better risk mitigation tools
Conduct complex account reviews and articulate financial risk trends to the broader team
Balance risk and reward so merchants get a low-friction experience without exposing Shopify to unnecessary losses

Fulltime

Credit Risk Analyst

We are seeking a detail-oriented and analytical Credit Risk Analyst to support t...

Location

United Kingdom , London

Salary:

Not provided

Sokin

Expiration Date

Until further notice

Requirements

2–5 years’ experience in credit risk, financial analysis, or a related role within financial services, fintech, or banking
Strong analytical skills with experience reviewing financial statements
Understanding of credit risk principles, including exposure monitoring and limit setting
Experience or interest in FX, payments, hedging or treasury products is desirable
Strong attention to detail and ability to manage multiple priorities
Good communication and stakeholder management skills
Proficiency in Excel and data analysis tools

Job Responsibility

Conduct credit assessments for new and existing clients, including financial analysis, creditworthiness evaluation, and risk profiling
Monitor client exposures across products and ensure adherence to approved credit limits
Identify, assess, and escalate potential risks, breaches, or deteriorating credit profiles in a timely manner
Support the setting, review, and adjustment of credit limits, collateral requirements, and other risk mitigants
Produce regular reporting on credit exposure, concentration risks, and key trends for internal stakeholders
Maintain accurate records of credit decisions, approvals, and supporting documentation
Work closely with internal teams (Sales, Treasury, Finance, and Compliance) to balance risk management with commercial objectives
Contribute to the ongoing improvement of credit risk policies, processes, and controls

Fulltime

Credit Risk Analyst

Shopify Payments processes billions of dollars for millions of merchants across ...

Location

United States

Salary:

Not provided

Shopify

Expiration Date

Until further notice

Requirements

1+ years of experience in risk analysis, underwriting, payments, e-commerce, or a related analytical role
Solid understanding of merchant credit risk concepts and the ability to connect scattered data points into a clear picture
Strong written and verbal communication skills — you can explain a complex situation in plain language to any audience
Comfort working in ambiguity where the playbook doesn't always have the answer and you need to apply good judgement
Curiosity about different business models and the risk profiles they carry
Working knowledge of chargeback basics: root causes, money movement, and common mitigation techniques
Proficiency with spreadsheet tools like Google Sheets or Excel
A growth mindset — you treat feedback as fuel and constantly look for ways to sharpen your craft

Job Responsibility

Monitor trends across your caseload to identify systemic risks and act quickly to prevent merchant credit risk losses
Assess how business model characteristics, seasonal patterns, and economic conditions affect merchant risk profiles
Communicate directly with merchants to address concerns, gather information, and explain decisions in plain language
Surface merchant and risk insights to cross-functional partners so your casework feeds into how Shopify's risk tools evolve
Follow your team's playbooks — and improve them as you spot gaps or better ways to work
Apply AI tools to detect threats faster and automate the repetitive parts of analysis
Track emerging risk patterns and industry trends, and flag them so the team can sharpen detection rules
Build deep knowledge of current and emerging credit risk threats across your domain
Mentor newer teammates and raise the bar on quality across investigations
Take ownership of the quality of your own work and the outcomes that follow

Fulltime

Senior Credit Risk Analyst

Senior Credit Risk Analyst - Slough (Hybrid) - Long-Term Contract - Up to £45,00...

Location

United Kingdom , Slough

Salary:

42000.00 - 45000.00 GBP / Year

IN2 Consult

Expiration Date

Until further notice

Requirements

Experience of making financial decisions in regards to commercial lending
At least 2 years Credit Risk experience
Strong understanding of analysing financial statements and can understand the risk of lending

Job Responsibility

Undertaking credit reviews on new and existing commercial clients
Writing credit review findings and suggested action reports
Monitoring active customers' credit files
Analysing prospective customers' balance sheets

Fulltime

Credit Risk Analyst

We are seeking a detail-oriented and analytical Credit Risk Analyst to support t...

Location

United Kingdom; United Arab Emirates; United States , London; Dubai; New York

Salary:

Not provided

Sokin

Expiration Date

Until further notice

Requirements

2–5 years’ experience in credit risk, financial analysis, or a related role within financial services, fintech, or banking
Strong analytical skills with experience reviewing financial statements
Understanding of credit risk principles, including exposure monitoring and limit setting
Experience or interest in FX, payments, hedging or treasury products is desirable
Strong attention to detail and ability to manage multiple priorities
Good communication and stakeholder management skills
Proficiency in Excel and data analysis tools

Job Responsibility

Conduct credit assessments for new and existing clients, including financial analysis, creditworthiness evaluation, and risk profiling
Monitor client exposures across products and ensure adherence to approved credit limits
Identify, assess, and escalate potential risks, breaches, or deteriorating credit profiles in a timely manner
Support the setting, review, and adjustment of credit limits, collateral requirements, and other risk mitigants
Produce regular reporting on credit exposure, concentration risks, and key trends for internal stakeholders
Maintain accurate records of credit decisions, approvals, and supporting documentation
Work closely with internal teams (Sales, Treasury, Finance, and Compliance) to balance risk management with commercial objectives
Contribute to the ongoing improvement of credit risk policies, processes, and controls

Fulltime

Credit Risk Analyst - Securities Based Lending Product

The Credit Risk Analyst for Securities Based Lending (SBL) product will play a k...

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Strong analytical and decision-making skills with sound credit judgement
Detail oriented, with a proactive mindset and ability to thrive in a fast-paced environment
Clear communicator and collaborative team player
Familiarity with securities (Mutual Funds, Equities, ETFs, fixed income) and market behaviour
Understanding of credit fundamentals, collateral evaluation, and financial statement analysis
Proficiency in MS Excel, PowerPoint and Word and other data tools is a plus
Bachelor’s degree in Finance, Economics, Mathematics, Statistics or related fields
Be a data-oriented thinker that uses the available information to find opportunities
Written and verbal communication skills in English
1-2 years of relevant experience in credit risk, financial analysis, or a similar role involving risk policy or Collateral management

Job Responsibility

Proactively monitor, assess, and manage credit risk exposures specifically associated with Securities Based Lending (SBL) facilities
Conduct in-depth analysis of client portfolios to ensure strict adherence to internal margin requirements and established risk thresholds
Provide critical support for the underwriting process of SBL exposure extension applications
Implement and maintain robust mechanisms for the continuous monitoring and evaluation of ongoing credit risk exposures across all active accounts
Support risk escalation processes and exception reviews
Collaborate with product, legal and operations teams to support new client onboarding and risk-related process improvements
Contribute to the development and refinement of underwriting criteria, credit risk models, collateral valuation methodologies and stress testing frameworks
Prepare and present regular internal reports and dashboards tracking portfolio risk metrics and credit performance to internal stakeholders
Support margin call management and liquidity event responses in coordination with Operations
Analyse individual and aggregate client portfolios to ensure alignment with internal risk appetite and margin requirements

Fulltime

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Credit Risk Decision Analyst

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