Credit Analyst

  • Melbourne, Australia
  • Full-time

Company Description

Our mission is simple: we want to help people everywhere start, run and grow a business. We’re a fast-moving global fintech company building the tools entrepreneurs need to simplify and streamline every business process, from accepting card payments and online invoicing to inventory management, real-time analytics, employee management and powerful data reporting. Now supporting millions of businesses worldwide, Square is recognised as a leader in financial technology, currently rated third in Fast Company’s 2018 edition of the World’s Most Innovative Companies. As we continue to expand globally, we are looking to drive that innovation further by scaling our smart, dedicated and passionate workforce in new markets. Square was founded in 2009 by Jack Dorsey and Jim McKelvey and is headquartered in San Francisco, with offices now operating across the United States, Canada, Japan, the UK and Australia.

Job Description

This is an opportunity to work on a new cross-functional risk team at Square. We are seeking a highly motivated entry to mid-level Credit Analyst to mitigate credit risk of small businesses. This position requires an in-depth understanding of the principles of portfolio and account level credit risk management. In this role, you will analyse data using internal/external tools to distinguish risky accounts from opportunities across different types of businesses. The ideal candidate would have a strong attention to detail and enjoy finding creative ways to manage risk while improving the client experience. Successful analysts quickly become experts on Square and have an opportunity to impact the product roadmap and customer experience.

Job Responsibilities

  • Define, test, and implement new strategies for the prevention of loss

  • Monitor Square accounts to maintain default rate within internal requirements

  • Communicate with clients including investigative level conversations

  • Maintain accurate up to date process documentation and reporting

  • Collaborate with Risk, Product, Legal, Compliance, and Finance to set policies and reduce loss

  • Track and report performance metrics

  • Surface opportunities to improve tools, workflow and customer experience


  • 2+ years of experience in lending, credit operations, or credit card services

  • Experience with financial analysis including reviewing financial statements

  • Bachelor degree in Finance, Mathematics, or Accounting desired

  • Flexibility to adapt and able to manage multiple assignments while working independently

  • Enjoys working in fast-paced and rapidly changing start-up environment

  • Detective-like mentality; simultaneous desire to help customers and obtain the truth

  • Excellent organisational and analytical skills 

  • Superb oral and written communication skills

  • Must be a team-oriented individual with willingness to assist in training and development of new team members and/or contractors

  • Shared passion for Square’s mission of economic empowerment

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. 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) 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.