Payments Credit Risk Analyst

Payments Credit Risk Analyst at CloudbedsJoin Cloudbeds to protect our global payments portfolio while driving the future of hospitality technology.With a fully remote team and a culture of innovation, you'll work with Finance, Legal, Customer Success, and Sales to safeguard partners and customers alike.What You'll DoAssess merchant financials, payment flows, and credit risk indicators.Recommend credit limits, reserves, and payout hold thresholds.Analyze chargeback and refund trends to detect emerging risks.Review entity changes, liens, and restructuring for financial impact.Partner across Finance, Risk Ops, and Legal to refine credit policy.Support audits, board reporting, and ongoing credit policy reviews.What You Bring3+ years in payments risk, PayFac credit analysis, or merchant acquiring.Strong experience with risk frameworks for payment processors or SaaS companies running PayFac models.Proficiency in Excel/Sheets, SQL, and/or BI tools.Experience with SMB credit risk or mercha...