Analyst - Credit Underwriting

Position: Credit UnderwritingSummary:As a Credit Underwriting & Operations Analyst, you will be working within the Risk team to assist in the day-to-day manual analysis of new customers on the platform. You should be comfortable with high level financial analysis and data reconciliation in a fast-paced environment with supervision from senior risk members.Roles & Responsibilities:Perform customer-level credit underwriting decisions across multiple B2B products, which include corporate spend cards, EOR, COR, payroll, and PEO, ensuring adherence to established credit policies, procedures, and risk frameworks reviews using both external and proprietary data sources.Utilize and follow a defined set of standard operating procedures alongside Rippling’s internal credit tooling and systems to ensure minimum approval criteria is met for an evaluation.Action daily applications pended into the assigned queues. Review the information elements on these cases thoroughly and decide them from approval/decline/follow-up perspective as per procedures.Drive improved performance against established KPIs to achieve functional objectives and ensure effective implementation of the client’s risk policies and procedures across all relevant products.Collaborate with the internal sales team to verify if any outstanding documents or information are required from the customer to facilitate approval, ensuring a seamless and efficient process.Requirements:Minimum 1-2 years of experience in credit risk, preferably in SMB/MM commercial lending, including decisioning of new credit product applications.Strong expertise in financial statement analysis, including interpretation of financial and bank statements.Solid understanding of credit risk underwriting and commercial credit products.Experience in credit risk operations and application decisioning within digital/mobile-based environments is highly preferred.Ability to manage multiple tasks, prioritize effectively, and work with strong attention to detail in a dynamic environment.Demonstrated decision-making ability with high accuracy and confidence.Willingness to work in flexible shifts, including PST hours.Educational QualificationsMasters in Finance or Masters in Business Administration is highly desirable. Bachelor’s degree in Commerce, Finance, Accounting, or a related field.

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