Senior Credit Analyst

The role

You will conduct deep credit assessments of businesses applying for credit products. You will work with Risk, Sales, and Product teams to approve customers and scale credit safely.

What you will do

• Evaluate business credit applications with exposure limits ranging from $50K to $5M+
• Analyze financial statements, bank transaction data, and real-time business performance
• Assess qualitative factors including industry trends, business model risk, and founder/operator background
• Recommend credit decisions with supporting rationale and structuring terms
• Partner with Sales on customer discussions and structuring complex or higher-risk deals
• Monitor portfolio health and assist in reviews of at-risk accounts or limit increases
• Contribute to evolving credit policies, frameworks, and decisioning models
• Serve as a mentor and escalation point for junior credit and risk analysts

Required qualifications

• 5+ years of experience in credit analysis
• Deep understanding of business credit fundamentals and financial analysis
• Strong judgment and a bias toward structured, data-informed decisions
• Experience working with credit systems, financial modeling, and risk scoring frameworks
• Ability to balance risk with commercial outcomes and growth priorities
• Clear communication skills in writing and stakeholder discussions
• Comfortable in a fast-paced, dynamic startup environment

Nice to have

• Experience with transaction-level data credit analysis (e.g. Plaid, Open Banking)
• Background in fintech, payments, or embedded credit products
• Familiarity with Anti-Financial Crime / KYB controls

Benefits

• Competitive compensation
• Equity
• Benefits

About the company

Parker is a Series B fintech that provides virtual corporate cards and profitability-focused software tooling to eCommerce merchants. The company has raised over $180M in equity and debt from investors including Valar Ventures and Y Combinator.