Senior Credit Risk Analyst

A career with Gravity Payments is an opportunity to be on a collaborative team where creative leadership, passion for progress, and responsibility are paramount. Our team members focus and commit to providing for our clients and our community because we care deeply for others.

The ideal candidate will help build a risk foundation that will carry Gravity into the future. We are looking for a candidate with multiple years of experience displaying curiosity, flexibility, and care with internal/external customers through all risk analysis and management elements. Your experience will guide developing operations at Gravity to ultimately enhance risk practices while creating a positive merchant experience. There will be opportunities to create new processes, implement new technologies, and coach and develop those around you, all while working directly with clients and the team. We value flexibility, creativity, decisiveness, analytical thinking, and service.

While reviewing the job description we hope you will gain an understanding of the role responsibilities and preferred skills. In interviews with Gravity, we will ensure your understanding of the role and ask focused questions to learn more about your abilities based on the following skills and competencies.

Core Responsibilities

• Work with Risk and Underwriting teams to implement strategies that reduce or prevent fraudulent activities and credit and fraud losses while understanding the impacts of the decisions on customers, employees, and the company in the short and long term.
• Perform deep credit and fraud analysis on merchant processing activity, financials, and/or profiles to assess and mitigate risk
• Identify opportunities to enhance risk management operations on a day-to-day basis
• Perform risk reviews based on daily activity or periodic cadences
• Review risk losses on a monthly basis across all channels with the goal of adjusting the approach based on findings
• Coach and mentor teams at Gravity, and external clients relating to risk operations and best practices
• Manage parameters across the portfolio to ensure a smooth merchant experience while limiting Gravity's financial risk exposure
• Develop an understanding of our portfolio and the unique client and industry patterns, adjusting policies and reviews accordingly
• Interact with merchants, Sales teams, Customer Facing Teams, and Underwriting teams to solve risk-related issues collaboratively and with a sense of urgency
• Identify trends and conduct root-cause analysis to isolate key performance drivers.
• Creatively problem-solve complex and difficult situations with merchants and partners, corresponding over the phone or in writing to find mutually desired solutions
• Utilize data manipulation and quantitative analysis to manage credit risk exposure across a large portfolio

Preferred Skills

• 5-10 years of previous Risk Analyst experience in the payments industry
• Experience with Risk at an ISO and/or working with Fiserv/First Data
• Knowledge of card brand and processor rules
• Demonstrated ability to coach and develop team members
• Demonstrated success in finding creative solutions
• Ability to analyze risk, make a recommendation, developing and executing on plans
• History of managing complex projects across multiple teams including operations, engineering, and sales.
• AML, KYC, KYB, PCI knowledge and experience
• PFAC, ACH, Payment facilitation exposure
• Credit Risk Exposure, contract analysis, and Financial statement analysis (periodic reviews)
• Ability to be critically open-minded, mitigate risk, and understand tolerance.
• Experience in filing SARs
• Being practiced in ancillary activities such as liens, collections, and chargebacks is a plus

Success in this role looks like:

• Integrating past experience into Gravity's culture to elevate risk operations
• Assessing gaps and needed improvements in Gravity's current processes
• Setting and achieving goals that reach desired outcomes of managing risk and/or improving team KPIs
• Strong communication with internal and external customers to create positive experiences

Technical requirements:

• Must have access to a wired internet connection
• Must have access to at least a 25 megabits per second (mbps) download and 20 mbps upload speed connection
• Must be able to use a Windows Based PC.

The salary for this position is $80,000 - $170,000. We may be open to negotiating outside of this range if the desired salary aligns with the needs of the candidate and the company.

Gravity Payments is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity/expression, age, disability status, protected veteran status, or any other characteristic protected by law.