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 their business. Square’s powerful ecosystem of tools includes everything from accepting card payments and invoicing to e-commerce, data reporting, loyalty programs and managing inventory, locations or customers. 

Now supporting millions of businesses worldwide, Square is recognised as a leader in innovation, rated in the top 10 of Fast Company’s 2019 World’s Most Innovative Companies list. 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, Ireland and Australia.

The global Square Risk team works to protect Square, Square sellers, and enable safe growth across our ecosystem. We are looking for a Credit Risk Specialist to join Square's Risk team to help manage credit risk for sellers processing on Square. Working with a Credit Risk Analyst, you will understand credit and financial analysis, and have a desire to apply those skills in innovative ways to help Square increase annual processing volume while controlling loss related to chargebacks. You will work with USA-based Credit Risk team members and report to the Lead, APAC Risk Operations and Policy (based in Melbourne). This role can be located anywhere on the East Coast of Australia, and can work from home or in our Melbourne office.

You will conduct reviews of our sellers, assessing credit risk associated with processing activity, and taking appropriate action following risk policies and adhering to internal and seller-facing service-level agreements. Curious to learn, you will gather insights, identify areas for improvement, and contribute to key initiatives to push our team forward. You will have a seller-first mentality, ensuring we live up to our purpose of Economic Empowerment, even if it isn't always the easiest course of action.

*Applications for this role close midnight AEDT Wednesday 3 February*

You will:

• Perform reviews of high-risk seller accounts and take action in line with Square's risk policies

• Analyse risks associated with different seller business models and card processing patterns

• Collect and review appropriate documentation necessary to assess and mitigate risk

• Document decisions and rationale following our underwriting guidelines

• Communicate with sellers by phone and email, including investigative-level conversations

• Work with internal partners including Fraud and Compliance, and multiple levels of management

• Help identify process improvements and contribute to Credit Risk projects and initiatives

You have:

• BA degree in Finance, Economics, or Accounting or related experience

• Experience in credit, underwriting, finance, or related field

• Experience with financial statement analysis

• A team-oriented approach with a focus on accountability.

• The desire to create, improve, and question.

• Willingness to contribute new ideas, collaborate, and learn from and mentor others

• Optional

  • US credit risk work experience

  • Understanding of the online payments landscape across all participants: issuer, merchant, acquirer and network

  • Previous experience in commercial banking or card processing

  • Work experience in commercial banking, consulting, FinTech, or financial services industry

• Healthcare coverage
• Retirement Plans
• Employee Stock Purchase Program
• Wellness perks
• Paid parental leave
• Paid time off
• Learning and Development resources