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Payments Credit Risk Analyst at Cloudbeds. Location Information: North America,Latin America. How You'll Make an Impact:. As a . Payments Risk Credit Analyst. , you’ll play a key role in protecting Cloudbeds and our hotel partners as we scale rapidly. This role is highly impactful: your insights will directly influence how we onboard, manage, and protect our global payments portfolio. You’ll thrive by owning problems end-to-end, learning continuously as our product and payments offerings evolve, and helping us navigate the complexities of a hyper-growth fintech environment.. Our Payments Risk Team:. We’re a collaborative, data-driven team that safeguards Cloudbeds while empowering our customers to grow with confidence. We 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 support one another, but also expect each team member to be self-driven and comfortable making decisions in an ambiguous environment.. What You Bring to the Team:. 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 Sets You Up for Success:. 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:. Depending on your skills and experience, you can expect your annual compensation to be between $75K- $120K .  . #LI-REMOTE #LI-SD1.