Credit Analyst, Square Capital (NY)
- Full-time
Company Description
Job Description
Square's Capital team is seeking a highly motivated Capital Credit Analyst to mitigate credit risk within the business financing space. The Capital team at Square is responsible for safely providing funds to our customers to help them grow their businesses. In this role, you will analyze data using internal/external tools to distinguish risky accounts from opportunities across different types of businesses. The ideal candidate would love credit underwriting and finding creative ways to manage risk while improving the client experience. Successful analysts quickly become experts on Square Capital 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 on Capital
- Monitor Capital accounts to maintain default rate within investor requirements
- Communicate with clients including investigative level conversations
- Maintain accurate up to date process documentation and reporting
- Collaborate with Risk, Legal, Compliance, and Finance to set policies and reduce loss
- Track and report performance metrics
- Surface opportunities to improve tools, workflow and customer experience
- Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML duties as required by job function
Qualifications
- 1-2 years experience in business lending or credit risk underwriting
- Experience with financial analysis including reviewing financial statements
- Previous experience with Merchant Acquiring or Credit Card processing is a plus
- BS 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 organizational/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
- Contagious passion for Square’s mission
- Formal Credit Training a plus!