Senior Analyst, Credit (Fintech)

Location: Remote - US

Base pay range: $72,300–$100,000 USD per year, plus equity; some roles may include an annual bonus.

Company

AI-native travel technology platform providing infrastructure for business travel, group travel, human agents, and AI agents.

What you will do

• Own the commercial credit underwriting queue from application receipt through final decision.
• Execute KYB verification, validate business identities, interpret D&B and equivalent bureau data, and assess creditworthiness.
• Document underwriting decisions with clear rationale suitable for exception review and regulatory defensibility.
• Identify shared signals, exception trends, policy gaps, and emerging risk indicators across applications.
• Support backtest analysis for proposed credit rule changes and contribute to SOP and credit policy documentation.
• Coordinate with Fraud on application-stage signals that overlap between fraud and credit risk.

Requirements

• 3+ years of commercial or business credit analysis or underwriting experience.
• Experience with commercial credit bureaus such as D&B and with KYB processes.
• Ability to independently manage the full credit decision lifecycle and apply a decision framework consistently.
• Strong written documentation skills for exception review and regulatory defensibility.
• Ability to identify patterns across applications and proactively flag policy gaps.
• Automation mindset and willingness to systematize or remove inefficient manual underwriting steps.

Nice to have

• Experience in fintech, corporate cards, or SMB credit.
• SQL or Google Sheets / Excel skills for data analysis.
• Experience contributing to SOPs or credit policy documentation.

Culture & Benefits

• Fully remote work within the US, supported by a hybrid-hub model.
• Competitive base compensation tied to experience and location.
• Equity for all employees; some roles may also receive bonuses or commissions.
• Benefits vary based on employment type, location, and other factors.
• High ownership, rapid growth, and an ambitious working environment.