Senior Credit Analyst

🕒 May 7

🇺🇸 United States – Remote

💵 $90k - $130k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

🦅 H1B Visa Sponsor

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Every

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2021

💳 Fintech

🏦 Banking

☁️ SaaS

Fintech • Banking • SaaS

Every is a financial technology company that provides an all-in-one back-office platform built for startups and founders. Its product suite includes incorporation services, banking and debit cards (through a partner bank), treasury and cash sweep programs, payroll and HR, AI-assisted bookkeeping and bookkeeping services, and tax preparation. Every positions itself as a unified financial operating system that combines software, banking partnerships, and advisory/investment services to help early-stage companies launch, operate, and scale.

📋 Description

• Review inbound charge card applications and make approve / decline / manual review recommendations • Handle manual reviews for edge cases, exception requests, and higher-limit applications • Document your decisioning rationale clearly for each application • Manage the application queue and keep turnaround times tight for applicants • Apply and refine underwriting criteria, scoring logic, and credit limits by customer segment • Analyze repayment data to spot patterns and recommend adjustments • Help build out decisioning criteria as we accumulate more repayment and transaction history • Flag anomalies, fraud signals, and high-risk patterns to leadership • Track portfolio performance: delinquency rates, payment failures, ACH returns, and loss trends • Surface early warning signals and recommend proactive interventions • Produce regular reporting on portfolio health for internal stakeholders • Support compliance with relevant regulations (ECOA, Fair Lending, NACHA) • Partner with product and engineering on credit tooling, including application flows, internal review dashboards, and repayment infrastructure • Work with operations on collections, customer escalations, and disputes • Contribute to vendor evaluations for credit bureaus, bank data providers, and fraud tools

🎯 Requirements

• 5+ years in credit analysis, underwriting, or credit risk at a fintech, bank, or credit union • Hands-on experience reviewing and decisioning corporate charge card applications; consumer card experience alone won't transfer here • Familiarity with business credit products: charge cards, revolving credit, or business loans • Strong analytical skills, comfortable in Excel or Google Sheets • Ability to work independently and manage a high-volume queue with accuracy and speed

🏖️ Benefits

• Offers Equity