SME Business Credit Portfolio & Underwriting Risk Analyst — Remote (United States)

Overview

Support data-driven business credit underwriting for an integrated financial-services platform. Assess applicant business financials, banking connections and operational cash flow, monitor existing credit-account health and translate risk signals into underwriting, fraud detection and portfolio strategy.

Requirements

• At least five years of experience in data analytics or credit analytics, preferably within fintech, business credit cards or SME lending.
• Fluency in SQL or SAS and practical comfort using Python or R for exploratory analytics and automation.
• Strong understanding of credit underwriting principles, SME financial analysis and cash-flow evaluation.
• Experience interpreting business financial statements, balance sheets, profit and loss statements, tax returns and connected banking data.
• Familiarity with commercial credit bureau information and third-party credit reports such as Experian and Dun & Bradstreet.
• Ability to present financial-risk analysis clearly and influence credit, product and portfolio stakeholders.

Responsibilities

• Analyze SME credit applications using financial statements, bank transactions, tax records and accounting integrations.
• Develop automated and manual decision-support tools and dashboards for underwriting and fraud.
• Monitor spend, utilization, payment behavior and weakening creditworthiness after origination.
• Integrate external business credit scores and reports into portfolio risk segmentation.
• Track delinquency, charge-offs, repayment consistency and collection-risk indicators.
• Analyze credit card unit economics, interchange, interest, rewards cost, customer profitability and risk-adjusted returns.
• Build behavioral customer cohorts, lifetime-value models and risk-adjusted recommendations.

Conditions

• Full-time fully remote position for candidates located in the United States.