Quantitative Analyst - Credit Risk

  • San Francisco, CA
  • Full-time

Company Description

We believe the economy is better when everyone has access. When everyone has room to grow. No one should be left out because the cost is too great or the technology too complex. We started with a little white credit card reader but haven’t stopped there. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, helping the ice cream shop pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. We’re here to help sellers of all sizes start, run, and grow their business—and helping them grow their business is good business for everyone.

Job Description

Within Risk Operations at Square, youll design, build, and operationalize systems and processes to root out high-risk activity across Squares core card processing platform. We are looking for an analyst to join our dynamic Risk team, which is responsible for balancing the risk of our card processing portfolio with Squares risk tolerance.


The Credit Risk Analyst will work closely with leadership to continuously improve the way we manage non-fraud risk at Square. You will partner closely with many teams across the business both inside and outside risk - Data Science, Engineering, Payments, Legal, and Finance to name a few. You will also have the opportunity to drive innovation and have influence across Squares broader Risk road map, programs, and processes, as well as develop our risk road map for new markets.


In this role, you will be responsible for managing top-level loss KPIs and driving process improvements through analysis. The ideal candidate will have expertise in credit risk/non-fraud risk management, payments, project management and data analysis skills, and be excellent at cross-functional management and communication. This role will require a bias toward taking action in a fast-paced environment.


You will:

  • Optimize the way that we prevent and control non-fraud/credit loss at Square - you will help to drive the ongoing strategy to balance loss in existing and new markets through in-depth analysis and loss scenario reviews.

  • Monitor and analyze economic indicators, in tandem with internal data and metrics, to help Square anticipate loss trends, improve loss forecasting, and assess corresponding impact on risk tolerance.

  • Diagnose operational inefficiencies and develop compelling, data-driven recommendations; partner with Engineering, Data Science, and Payments teams to develop and implement solutions.

  • Manage the development and reporting of key performance indicators; present analyses and findings to senior management to steer the Seller Risk teams strategic vision.

  • Perform ad hoc data analysis to remove roadblocks and ensure operations and automation are running smoothly.

  • Drive innovation within the management of non-fraud loss at Square through third-party evaluation and integration.


You have:

  • 3+ years of experience with credit risk and/or risk management for payments

  • Excellent analytical skills and problem solving abilities; understanding of statistical analysis

  • SQL proficiency

  • An ability to answer unstructured business problems and work independently to drive projects to conclusion

  • An ability to effectively communicate analysis and recommendations to leadership, with superior written and oral communication skills

  • An ability to collaborate effectively with cross-functional partners

  • A BS/BA in Business, Economics, Statistics, Mathematics, or a related technical field

  • A strong passion for Squares mission


Even better:

  • Experience with data visualization (e.g. Looker/Tableau)

Additional Information

At Square, our purpose is to empower – within and outside of our walls. In order to build the best tools for the businesses and customers we support all over the world, we have to start at home with a workforce as diverse and empowered as our sellers. To this end, we take great care to evaluate all employees and job applicants equally, based on merit, competence, and qualifications. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage candidates from all backgrounds to apply and always consider qualified applicants with arrest and conviction records, in accordance with the San Francisco Fair Chance Ordinance. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at)squareup.com. We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.