Credit Risk Specialist
- Full-time
Company Description
Job Description
We are looking for a finance professional to join Square’s outstanding Risk organization to help understand and manage credit risk for sellers processing on Square. You will need to understand credit and financial statements, and a desire to apply those skills in new ways to help Square grow our annual processing volume while controlling loss related to charge-backs. You will conduct reviews of new and existing sellers, assessing credit risk associated with processing activity, and taking appropriate action following our risk policies. You will work in an operations environment, maintaining team standards while ensuring that we follow internal and seller-facing service-level agreements. You will have a passion for knowledge—gathering insights, identifying areas for improvement, and contributing to key projects to push our team forward. Lastly, you will be dynamic and have a passion for Square’s mission of Economic Empowerment. If all of this sounds exciting, you may be a good fit and we look forward to hearing from you!
Job Responsibilities:
- Perform reviews of high-risk seller accounts and follow steps that aligns with Square’s risk policies
- Analyze risks associated with different seller business models and card processing patterns
- Collect and review appropriate documentation necessary to assess and mitigate risk
- Document decisions and rationale in accordance with our underwriting guidelines
- Communicate with sellers by phone and email, including investigative-level conversations
- Work with internal partners including Fraud and Compliance, as well as multiple levels of management
- Help identify process improvements and contribute to key Credit Risk projects and initiatives
Qualifications
Core Skills/Experience:
- Associate or Undergraduate degree in Finance, Economics, or Accounting desired
- 1 or more years experience in credit, underwriting, finance, or related
- Experience or demonstrated understanding in financial statement analysis
- Experienced in commercial banking or card processing a plus
- Self-starter; comfort dealing with ambiguity
- Strong sense of accountability for helping our team achieve its collective goals and best-serve our customers
- Must be a team-oriented person with enthusiasm to collaborate on new ideas and learn from and mentor others
- Efficient and strong time management skills
Additional Information
Perks
At Square, we want you to be well and thrive. Our global benefits package includes:
- Healthcare coverage
- Retirement Plans
- Employee Stock Purchase Program
- Wellness perks
- Paid parental leave
- Flexible time off
- Learning and Development resources