Third-Party Job Posts
Payments Credit Risk Analyst
Third-Party Job Posts, California, Missouri, United States, 65018
At Cloudbeds, we’re transforming hospitality with an AI-powered platform that serves properties across 150 countries. We operate with a completely remote team and collaborate with Finance, Legal, Customer Success and Sales to protect our global payments portfolio while supporting merchants and partners.
Overview As a
Payments Risk Credit Analyst , you’ll help protect Cloudbeds and our hotel partners as we scale. Your insights will influence how we onboard, manage, and protect our payments portfolio. You will own problems end-to-end, learn continuously as our product and payments offerings evolve, and navigate the complexities of a rapid fintech environment.
We’re a collaborative, data-driven team that safeguards Cloudbeds while empowering customers to grow with confidence. You’ll work closely with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks before they materialize. We expect each team member to be self-driven and comfortable making decisions in ambiguous situations.
Responsibilities
Assess merchant financials, payment flows, and credit risk indicators
Recommend credit limits, reserves, and payout hold thresholds
Analyze chargeback and refund trends to detect emerging risks
Review entity changes, liens, and restructuring for financial impact
Partner across Finance, Risk Ops, and Legal to refine credit policy
Support audits, board reporting, and ongoing credit policy reviews
What You Bring to the Team
3+ years in payments risk, PayFac credit analysis, and/or merchant acquiring
Strong experience with risk frameworks for payment processors or SaaS companies running PayFac models
Proficiency in Excel/Sheets; SQL and/or BI tools
Experience with SMB credit risk or merchant underwriting
Clear communicator who can simplify complex risk issues for diverse audiences
High attention to detail with a bias for action
Bonus Skills to Stand Out (Optional)
Background in fintech or hospitality payments
Familiarity with chargeback processes and reserve adequacy modeling
Knowledge of credit scoring frameworks and risk modeling tools (Python/R)
Risk certifications (CRC, FRM, CFA, or similar)
Compensation Annual compensation ranges from $75K to $120K, depending on skills and experience.
What to Expect - Your Journey with Us Cloudbeds is a 650+ person team across 40+ countries, with a culture of innovation and travel. We value diverse perspectives, collaboration, and a passion for solving hard problems with AI and hospitality technology.
Remote-first, globally distributed team
PTO in line with local labor requirements
Full paid parental leave
Home office stipend based on country of residency
Professional development through Cloudbeds University
Access to therapy and coaching services
Opportunities for manager training, upskilling, and knowledge transfer
Everyone is Welcome - A Culture of Inclusion Cloudbeds is an Equal Opportunity Employer and does not discriminate based on race, religion, color, national origin, gender (including pregnancy or related medical conditions), sexual orientation, gender identity or expression, age, protected veteran status, disability, or other legally protected characteristics. We provide reasonable accommodations in the hiring process and encourage applicants with disabilities to apply. For accommodations, contact our HR team.
Equal Employment Opportunity Information We invite your voluntary responses to EEO self-identification questions. These responses are confidential and will not affect your consideration for employment. This information helps us improve our hiring process and ensure fair treatment of all candidates.
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Overview As a
Payments Risk Credit Analyst , you’ll help protect Cloudbeds and our hotel partners as we scale. Your insights will influence how we onboard, manage, and protect our payments portfolio. You will own problems end-to-end, learn continuously as our product and payments offerings evolve, and navigate the complexities of a rapid fintech environment.
We’re a collaborative, data-driven team that safeguards Cloudbeds while empowering customers to grow with confidence. You’ll work closely with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks before they materialize. We expect each team member to be self-driven and comfortable making decisions in ambiguous situations.
Responsibilities
Assess merchant financials, payment flows, and credit risk indicators
Recommend credit limits, reserves, and payout hold thresholds
Analyze chargeback and refund trends to detect emerging risks
Review entity changes, liens, and restructuring for financial impact
Partner across Finance, Risk Ops, and Legal to refine credit policy
Support audits, board reporting, and ongoing credit policy reviews
What You Bring to the Team
3+ years in payments risk, PayFac credit analysis, and/or merchant acquiring
Strong experience with risk frameworks for payment processors or SaaS companies running PayFac models
Proficiency in Excel/Sheets; SQL and/or BI tools
Experience with SMB credit risk or merchant underwriting
Clear communicator who can simplify complex risk issues for diverse audiences
High attention to detail with a bias for action
Bonus Skills to Stand Out (Optional)
Background in fintech or hospitality payments
Familiarity with chargeback processes and reserve adequacy modeling
Knowledge of credit scoring frameworks and risk modeling tools (Python/R)
Risk certifications (CRC, FRM, CFA, or similar)
Compensation Annual compensation ranges from $75K to $120K, depending on skills and experience.
What to Expect - Your Journey with Us Cloudbeds is a 650+ person team across 40+ countries, with a culture of innovation and travel. We value diverse perspectives, collaboration, and a passion for solving hard problems with AI and hospitality technology.
Remote-first, globally distributed team
PTO in line with local labor requirements
Full paid parental leave
Home office stipend based on country of residency
Professional development through Cloudbeds University
Access to therapy and coaching services
Opportunities for manager training, upskilling, and knowledge transfer
Everyone is Welcome - A Culture of Inclusion Cloudbeds is an Equal Opportunity Employer and does not discriminate based on race, religion, color, national origin, gender (including pregnancy or related medical conditions), sexual orientation, gender identity or expression, age, protected veteran status, disability, or other legally protected characteristics. We provide reasonable accommodations in the hiring process and encourage applicants with disabilities to apply. For accommodations, contact our HR team.
Equal Employment Opportunity Information We invite your voluntary responses to EEO self-identification questions. These responses are confidential and will not affect your consideration for employment. This information helps us improve our hiring process and ensure fair treatment of all candidates.
#J-18808-Ljbffr