Credit Risk Analyst
Revenued Albania is the rapidly expanding Tirana branch of Revenued, LLC, a fintech company founded by leaders in the U.S. alternative small business financing industry. Since Revenued Albania's start, we have been committed to offering top-tier talent opportunities in Sales, Customer Service, Debt Collection, Legal Services, Underwriting, Marketing, Data Science, and Technology.
At Revenued Albania, we not only attract exceptional talent but also provide competitive compensation and benefits, including private medical insurance, ongoing training, performance bonuses, transportation, and real opportunities for career growth. Our modern offices are located in the ETC Business Center, featuring sweeping views of Tirana, with convenient access to an attached shopping mall, food court, bars, and more.
Join us and become part of a thriving fintech company, where you can work alongside ambitious, career-driven professionals. Don’t miss your chance to grow with us!
We are looking for a Credit Risk Analyst to review and evaluate the performance of merchants with active cash advances by assessing their risk profile (public records, seasonal and industry trends, and credit history) banking activity, and payment history to help ensure that the pricing and terms remain aligned with the risk and profitability of the portfolio, following a customer experience centered approach.
Working hours 2:30pm-10:30pm or 4:00pm -12:00am
Job Duties and Responsibilities:
- Monitor the performance of the funded merchants, analyzing their payment history, cash flow, and any changes in financial health.
- Evaluate shifts in risk factors that may affect the merchant's ability to repay and could warrant limit or term adjustments, including industry trends, economic changes, or seasonality in revenue.
- Ensure any relevant, real-time notes are properly noted in Salesforce to document observations, thoughts, and key details that may influence the decision.
- Based on the updated risk levels, prepare initial calculations for potential repricing adjustments, such as business revenue and new or ongoing obligations to competitors, to support repricing recommendations and risk management strategies.
- Apply a customer-centered approach by understanding each merchant’s unique risk profile and behavior.
- Communicate credit risk findings effectively, helping other teams understand risk factors and mitigation options.
- Ensure all credit risk assessments comply with relevant laws, regulations, and internal policies.
- May be required to perform other tasks and duties reasonably related to job responsibilities.
Experience/Knowledge, Skills & Abilities:
- Ability to recognize positive and negative trends in cash flow and banking activity.
- Previous credit analysis or underwriting experience is a plus.
- Prior experience in Bank Reconciliation.
- Familiarity with US business culture.
- Strong analytical skills;
- Ability to multitask, work independently, and prioritize in a fast-paced environment.
- Detail-oriented and excellent skills in calculating risk
- Strong communication skills
- Decision-making and critical thinking skills
- C1 Proficiency in written and spoken English.
We thank you for your interest in career opportunities with Revenued. Due to the high volume, only those candidates selected for an interview will be contacted.