Senior Credit Analyst POST NUMBER: 444791
We are seeking an experienced Senior Credit Analyst to join our finance team and play a critical role in managing credit risk across merchant processing (indirect credit), direct-to-consumer lending, and supporting strategic capital raise initiatives. The ideal candidate brings a strong analytical background, deep understanding of credit markets, and experience in underwriting both merchant and consumer credit.
Key Responsibilities:
Merchant Processing (Indirect Credit):
- Assist in the application and underwriting process with all potential merchant servicing providers by evaluating existing merchant accounts, using transaction-level data, financial statements, and underwriting guidelines.
- On-board and maintain merchant processing providers – provider line-up, capacity/utilization, hardware/software, and complete the reconciliation of revenue related to each processor (revenue vertical).
- Report and monitor ongoing credit exposure related to chargebacks, returns, reserves, settlement risks, and for PCI compliance.
- Work closely with risk, operations, and compliance teams to implement and refine credit policies for merchant onboarding and portfolio management.
- Conduct periodic risk reviews and identify deteriorating credit signals to recommend appropriate mitigation strategies.
- Create and maintain standard operating procedures.
- Monitor and report on user access and permissions.
- Underwrite consumer lending applications using credit bureau data, income verification, and internal models.
- Collaborate with the sales team to refine credit scoring models and loan terms.
- Report and monitor portfolio performance metrics including: applications, loan book growth, revenue, delinquency rates, pay-offs, charge-offs, and customer repayment behavior.
- Monitor and report on user access and permissions.
- Provide insights into customer segmentation and risk-adjusted pricing strategies.
- Create and maintain standard operating procedures.
- Develop materials and financial analysis to support investor due diligence and capital raise activities (e.g., debt facilities, securitizations, equity raises).
- Assist in the structuring and evaluation of debt instruments, including loan sale transactions, warehouse lines, etc.
- Partner with treasury and FP&A teams to align funding strategies with portfolio growth and risk profile.
- Bachelor’s degree in Finance, Economics, Accounting, or a related field.
- 2 years of experience in credit analysis or underwriting, preferably in fintech, merchant services, or consumer lending.
- Deep knowledge of credit risk management principles, underwriting standards, and relevant regulatory requirements.
- Strong financial modeling, Excel, and data analytics skills; experience with SQL, Python, or BI tools is a plus.
- Excellent communication and presentation skills, with the ability to convey complex concepts to both technical and non-technical stakeholders.
- Demonstrated experience supporting capital raise or investor relations efforts is highly desirable.
- Experience working in a high-growth or startup environment.
- Familiarity with payment processing infrastructure and settlement risk dynamics.
- Comfortable operating cross-functionally in a fast-paced, evolving environment.
Vaco by Highspring values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.
EEO Notice
Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.
Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact HR@vaco.com .
Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal.
By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.
Privacy Notice
Vaco by Highspring and its parents, affiliates, and subsidiaries (“we,” “our,” or “Vaco by Highspring”) respects your privacy and are committed to providing transparent notice of our policies.
- California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.
- Virginia residents may access our state specific policies here.
- Residents of all other states may access our policies here.
- Canadian residents may access our policies in English here and in French here.
- Residents of countries governed by GDPR may access our policies here.
Pay Transparency Notice
Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to:
- the individual’s skill sets, experience and training;
- licensure and certification requirements;
- office location and other geographic considerations;
- other business and organizational needs.
With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.