Credit Policy Analyst

  • Full-time

Company Description

Square builds common business tools in unconventional ways so more people can start, run, and grow their businesses. When Square started, it was difficult and expensive (or just plain impossible) for some businesses to take credit cards. Square made credit card payments possible for all by turning a mobile phone into a credit card reader. Since then Square has been building an entire business toolkit of both hardware and software products including Square Capital, Square Terminal, Square Payroll, and more. We’re working to find new and better ways to help businesses succeed on their own terms—and we’re looking for people like you to help shape tomorrow at Square.

Job Description

Square, Inc. is seeking a Credit Policy Analyst to join our Risk team. In this role, you will be responsible for documenting, monitoring, and improving our end-to-end process to manage non-fraud chargeback risk for sellers using Square to accept credit card payments. Responsibilities will include creation of new operational policies to be leveraged by our Credit agents, ensuring adherence through learning and development and quality assurance, as well as evaluating and adapting our strategies to best serve the needs of our Sellers amidst the evolving Square ecosystem. You will demonstrate a high degree of empathy for the businesses and people we serve, and bring creativity and structured thinking towards our procedures while maintaining a positive seller experience.

Responsibilities: 

  • Evaluate and manage global portfolio credit risk and collateralization strategy

  • Lead coordination and governance with legal and compliance teams to facilitate the approval process of new initiatives

  • Assess emerging risks, new product development, as well as key risk trends to inform and define necessary global credit policy that responsibly enables business growth initiatives

  • Support all internal and external credit risk related audit engagements

  • Analyze the performance of key credit risk models to recommend modifications in line with overall strategy

  • Lead multiple cross-functional programs and projects simultaneously with competing priorities

Qualifications

  • 6+ years relevant experience within the financial services industry such as credit risk management, investment banking, consulting, or other related field. 

  • Thorough understanding of payments credit risk and/or a solid understanding of finance organizations

  • Excellent project management skills - able to scope and execute key cross-functional initiatives with limited guidance

  • Able to use data in conjunction with strategic priorities to complete portfolio assessment, identify trends and anomalies, as well as make recommendations for new initiatives

  • Excellent written, oral, and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action

  • A creative and eager mindset, with a bias towards action and finding solutions amidst a shifting landscape

  • Experience with SQL and Looker a plus

Additional Information

At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of 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.

Perks

At Square, we want you to be well and thrive. Our global benefits package includes:
  • Healthcare coverage
  • Retirement Plans
  • Employee Stock Purchase Program
  • Wellness perks
  • Paid parental leave
  • Paid time off
  • Learning and Development resources
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