Credit Risk Analyst Commercial Underwriter Jobs

Role Overview The Techno-Functional SME Consultant for Finastra Loan IQ is responsible for the stable operation, functional integrity and continuous improvement of the bank’s commercial-lending platform. The role combines deep lending-domain knowledge with hands-on application-support capability to ensure that loan transactions are configured, processed, serviced, accounted for and supported accurately throughout their lifecycle. Operating at the intersection of Loan Operations, Credit, Finance, Risk and IT, the consultant owns functional analysis and coordinates technical resolution across Loan IQ, interfaces and downstream systems. The role supports production operations, incidents, problems, changes, releases, controls and sustainable remediation of recurring service issues. Key Responsibilities Application operations: Manage Loan IQ application health, critical business events, interfaces, batch processes and operational queues. Ensure timely completion of daily processing and proactive management of service risks. Incident resolution: Lead functional and technical analysis of production incidents; reproduce issues, assess business impact, identify controlled workarounds, coordinate recovery and restore service within agreed priorities. Problem management: Perform root-cause analysis for recurring defects, transaction failures, schedule inconsistencies, accounting breaks and interface errors. Drive permanent fixes and preventive controls. Functional analysis: Translate lending-business issues into clear functional requirements, impact assessments, solution options, test scenarios and acceptance criteria. Technical troubleshooting: Analyse Loan IQ configuration, application logs, database evidence, interfaces, messages and job failures in collaboration with technical teams and within controlled production-support practices. Integration management: Support integrations with origination, payment, core banking, general ledger, data, risk, regulatory-reporting, docum

Role Overview The Techno-Functional SME Consultant for Finastra Loan IQ is responsible for the stable operation, functional integrity and continuous improvement of the bank’s commercial-lending platform. The role combines deep lending-domain knowledge with hands-on application-support capability to ensure that loan transactions are configured, processed, serviced, accounted for and supported accurately throughout their lifecycle. Operating at the intersection of Loan Operations, Credit, Finance, Risk and IT, the consultant owns functional analysis and coordinates technical resolution across Loan IQ, interfaces and downstream systems. The role supports production operations, incidents, problems, changes, releases, controls and sustainable remediation of recurring service issues. Key Responsibilities Application operations: Manage Loan IQ application health, critical business events, interfaces, batch processes and operational queues. Ensure timely completion of daily processing and proactive management of service risks. Incident resolution: Lead functional and technical analysis of production incidents; reproduce issues, assess business impact, identify controlled workarounds, coordinate recovery and restore service within agreed priorities. Problem management: Perform root-cause analysis for recurring defects, transaction failures, schedule inconsistencies, accounting breaks and interface errors. Drive permanent fixes and preventive controls. Functional analysis: Translate lending-business issues into clear functional requirements, impact assessments, solution options, test scenarios and acceptance criteria. Technical troubleshooting: Analyse Loan IQ configuration, application logs, database evidence, interfaces, messages and job failures in collaboration with technical teams and within controlled production-support practices. Integration management: Support integrations with origination, payment, core banking, general ledger, data, risk, regulatory-reporting, docum

Role Overview The Techno-Functional SME Consultant for Finastra Loan IQ is responsible for the stable operation, functional integrity and continuous improvement of the bank’s commercial-lending platform. The role combines deep lending-domain knowledge with hands-on application-support capability to ensure that loan transactions are configured, processed, serviced, accounted for and supported accurately throughout their lifecycle. Operating at the intersection of Loan Operations, Credit, Finance, Risk and IT, the consultant owns functional analysis and coordinates technical resolution across Loan IQ, interfaces and downstream systems. The role supports production operations, incidents, problems, changes, releases, controls and sustainable remediation of recurring service issues. Key Responsibilities Application operations: Manage Loan IQ application health, critical business events, interfaces, batch processes and operational queues. Ensure timely completion of daily processing and proactive management of service risks. Incident resolution: Lead functional and technical analysis of production incidents; reproduce issues, assess business impact, identify controlled workarounds, coordinate recovery and restore service within agreed priorities. Problem management: Perform root-cause analysis for recurring defects, transaction failures, schedule inconsistencies, accounting breaks and interface errors. Drive permanent fixes and preventive controls. Functional analysis: Translate lending-business issues into clear functional requirements, impact assessments, solution options, test scenarios and acceptance criteria. Technical troubleshooting: Analyse Loan IQ configuration, application logs, database evidence, interfaces, messages and job failures in collaboration with technical teams and within controlled production-support practices. Integration management: Support integrations with origination, payment, core banking, general ledger, data, risk, regulatory-reporting, docum

Role Overview The Techno-Functional SME Consultant for Finastra Loan IQ is responsible for the stable operation, functional integrity and continuous improvement of the bank’s commercial-lending platform. The role combines deep lending-domain knowledge with hands-on application-support capability to ensure that loan transactions are configured, processed, serviced, accounted for and supported accurately throughout their lifecycle. Operating at the intersection of Loan Operations, Credit, Finance, Risk and IT, the consultant owns functional analysis and coordinates technical resolution across Loan IQ, interfaces and downstream systems. The role supports production operations, incidents, problems, changes, releases, controls and sustainable remediation of recurring service issues. Key Responsibilities Application operations: Manage Loan IQ application health, critical business events, interfaces, batch processes and operational queues. Ensure timely completion of daily processing and proactive management of service risks. Incident resolution: Lead functional and technical analysis of production incidents; reproduce issues, assess business impact, identify controlled workarounds, coordinate recovery and restore service within agreed priorities. Problem management: Perform root-cause analysis for recurring defects, transaction failures, schedule inconsistencies, accounting breaks and interface errors. Drive permanent fixes and preventive controls. Functional analysis: Translate lending-business issues into clear functional requirements, impact assessments, solution options, test scenarios and acceptance criteria. Technical troubleshooting: Analyse Loan IQ configuration, application logs, database evidence, interfaces, messages and job failures in collaboration with technical teams and within controlled production-support practices. Integration management: Support integrations with origination, payment, core banking, general ledger, data, risk, regulatory-reporting, docum

Role Overview The Techno-Functional SME Consultant for Finastra Loan IQ is responsible for the stable operation, functional integrity and continuous improvement of the bank’s commercial-lending platform. The role combines deep lending-domain knowledge with hands-on application-support capability to ensure that loan transactions are configured, processed, serviced, accounted for and supported accurately throughout their lifecycle. Operating at the intersection of Loan Operations, Credit, Finance, Risk and IT, the consultant owns functional analysis and coordinates technical resolution across Loan IQ, interfaces and downstream systems. The role supports production operations, incidents, problems, changes, releases, controls and sustainable remediation of recurring service issues. Key Responsibilities Application operations: Manage Loan IQ application health, critical business events, interfaces, batch processes and operational queues. Ensure timely completion of daily processing and proactive management of service risks. Incident resolution: Lead functional and technical analysis of production incidents; reproduce issues, assess business impact, identify controlled workarounds, coordinate recovery and restore service within agreed priorities. Problem management: Perform root-cause analysis for recurring defects, transaction failures, schedule inconsistencies, accounting breaks and interface errors. Drive permanent fixes and preventive controls. Functional analysis: Translate lending-business issues into clear functional requirements, impact assessments, solution options, test scenarios and acceptance criteria. Technical troubleshooting: Analyse Loan IQ configuration, application logs, database evidence, interfaces, messages and job failures in collaboration with technical teams and within controlled production-support practices. Integration management: Support integrations with origination, payment, core banking, general ledger, data, risk, regulatory-reporting, docum

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London or UK Remote | 💰 £150,000 - £200, 000 + Equity + Benefits About our Data Discipline We have a strong culture of data-driven decision making across the whole company. Data is central to how we understand our customers, shape our products, manage risk and grow Monzo sustainably. We believe in empowering teams with high-quality, trusted data and self-serve analytics, while creating space for Data practitioners to focus on the highest-impact questions, opportunities and decisions. Our Data discipline is centralised, but deeply embedded in Monzo’s product areas. Data Scientists, Analytics Engineers, Machine Learning Engineers and Analysts work in cross-functional squads alongside Engineers, Designers, Product Managers, Marketers and other specialists. This means Data is not a downstream service: we help shape strategy, challenge thinking, build the data foundations teams need to move quickly, and share accountability for customer and commercial outcomes. Our Payments team ⭐ At Monzo, payments are more than just moving money from A to B. They are a core part of how customers experience trust, speed, and financial control

About Paytm: Paytm is India's leading financial services company offering full-stack payments and financial solutions to consumers, merchants, and online platforms. Our mission is to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. Profile: Scheme Management | Vertical: Lending EMI | Role: Program Management | About the role Own scheme design, launch, and lifecycle management for Lending EMI — offers, eligibility constructs, commercials, and performance. You will ensure schemes are commercially sound, operationally executable, and compliant, and that they deliver intended business outcomes. Key responsibilities -Design and manage EMI schemes (tenure, ROI / subvention, eligibility, ticket size, product / partner constructs). -Own scheme lifecycle: ideation → business case → approvals → launch → monitoring → refresh / sunset. -Partner with Sales, Product, Credit, Finance, and lenders on scheme constructs and go-to-market. -Analyse scheme performance (volume, conversion, margin, risk, partner ROI) and recommend changes. -Maintain scheme inventory, version control, circulars / communications, and audit-ready documentation. -Ensure schemes align with credit policy, regulatory / compliance requirements, and commercial guardrails. -Coordinate Tech / Ops enablement so schemes go live correctly in systems and processes. -Run scheme performance reviews with leadership and drive course corrections. -Support competitive benchmarking and new scheme ideation for growth segments. Why join us: We support our people by providing a range of flexible working options so they can work in the way that best suits them. We also offer you the opportunity to develop your career, working in a diverse and inclusive workplace where the diverse backgrounds, perspectives and life experiences of our people are celebrated and create a great place to grow, thrive and belong. Most importantly, for us Work is Fun!!

Ready to do the most impactful work of your career? At Coinbase , we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase . We're hiring a Credit Risk Analyst to join the Counterparty and Credit Risk team within Financial & Operational Risk. This team manages credit exposure across Coinbase's global institutional client base, underwriting counterparties and delivering lending solutions in a fast-evolving digital asset market. You'll own credit analysis for complex counterparties, recommend risk-based limits, and monitor portfolio exposures that directly inform how Coinbase scales its institutional products. What you'll do: Own diligence and underwriting of institutional counterparties including hedge funds, asset managers, private equity, and venture capital firms. Recommend internal credit ratings and risk-based limits, preparing written analysis that substantiates each assessment for senior leadership review. Monitor portfolio exposures, conduct periodic surveillance of trading partners, and clearly communicate concentration trends and settlement risks to leadership. Analyze asset volatility and liquidity risks on a per-asset and portfolio basis to inform limit-setting and capital planning. Negotiate industry documentation (e.g., PBAs, MLAs, and ACAs) and collaborate with business development, operations, legal, and product teams to resolve complex client or product challenges. Required Skills and Experience: 1-3 years of hands-on credit risk management experience, including counter

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users. What you’ll do Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. Responsibilities Work directly with our top merchants, from successful venture-backed startups to well established institutions, to evaluate their business models and financial statements Provide tailored credit risk recommendations that mitigate Stripe’s exposure, while facilitating partner company growth Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models Deliver insights to support senior management decisions, ranging from onboarding strategi

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team The Credit team protects Stripe by managing the end-to-end risk of our largest and most complex users. We leverage deep underwriting expertise and data-driven stress heuristics to make informed decisions at every stage of the user lifecycle—from onboarding to loss recovery. Our goal is to enable Stripe’s growth by making confident, calibrated decisions on our highest-exposure users. What you’ll do Stripe handles billions of dollars every year for businesses around the world, and the Risk team plays a critical role in the company’s financial and partnership success. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will underwrite and manage a portfolio of our largest and fastest growing businesses in order to facilitate Stripe’s growth objectives while minimizing Stripe’s credit risk. This is a high impact role that involves strong cross-functional partnership with Sales, Legal, Treasury, and Finance. Responsibilities Work directly with our top merchants, from successful venture-backed startups to well-established institutions, to evaluate their business models and financial statements. Provide tailored credit risk recommendations that mitigate Stripe's exposure, while facilitating partner company growth. Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models. Deliver insights to support senior management decisions, ranging from onboarding strategie

About Us Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners. About the role: Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances. The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making. Key Responsibilities : - Portfolio Monitoring & Analytics - Risk Strategy & Policy Design - Stress Testing & Risk Containment - Loss forecasting & scenario planning - Product & Growth Partnership - Collections Interface / Strategy - Compliance & Bureau Management Requirements: - 2 to 5 yrs in portfolio risk management function in Fintech/ Banks/ NBFC - Hands on experience in SQL, Python, R, Pyspark - Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc - Ability to translate data into clear insights and recommendations - Familiarity with BI tools like Tableau, Looker , Metabase etc - Understanding of machine learning models in credit risk - Strong problem solving and stakeholder management skills

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: SoFi Technologies Inc. is seeking a skilled and experienced Senior Staff Credit Risk Analyst to join our dynamic team. As a key contributor, you will play a crucial role in the development and execution of industry best Credit Risk Management. The incumbent will improve comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive analytical capabilities – The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line function across Credit Risk. The Credit Risk Oversight (2LOD) Senior Staff Credit Risk Analyst role is critical to success across SoFi Technologies, Inc., SoFi Bank, NA, and operating subsidiaries. The incumbent will contribute to the second-line oversight of credit risk across al

About Us Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners. About the role: Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances. The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making. Key Responsibilities : - Portfolio Monitoring & Analytics - Risk Strategy & Policy Design - Stress Testing & Risk Containment - Loss forecasting & scenario planning - Product & Growth Partnership - Collections Interface / Strategy - Compliance & Bureau Management Requirements: - 5 to 8 yrs in portfolio risk management function in Fintech/ Banks/ NBFC - Hands on experience in SQL, Python, R, Pyspark - Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc - Ability to translate data into clear insights and recommendations - Familiarity with BI tools like Tableau, Looker , Metabase etc - Understanding of machine learning models in credit risk - Strong problem solving and stakeholder management skills

About Us: Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks. Key Responsibilities: * Analyze credit risk across various products, including merchant and personal loans, postpaid. * Liaison with the business team to understand the credit risk policies and implement the same on platform. * Implement the credit risk policies on our proprietary platform. * Monitor performance of credit risk policies. Share feedback with product and Policy team what's working well and what needs improvement. * Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation. * Conduct testing and scenario analysis to measure policy resilience. * Monitor key risk indicators (KRIs) and provide actionable

About Us: Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks. Key Responsibilities: * Analyze credit risk across various products, including merchant and personal loans, postpaid. * Liaison with the business team to understand the credit risk policies and implement the same on platform. * Implement the credit risk policies on our proprietary platform. * Monitor performance of credit risk policies. Share feedback with product and Policy team what's working well and what needs improvement. * Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation. * Conduct testing and scenario analysis to measure policy resilience. * Monitor key risk indicators (KRIs) and provide actionable