Payments Credit Risk Analyst at Cloudbeds
Join Cloudbeds to protect our global payments portfolio while driving the future of hospitality technology. With a fully remote team and a culture of innovation, you’ll work with Finance, Legal, Customer Success, and Sales to safeguard partners and customers alike.
What You’ll Do
- 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 You Bring
3+ years in payments risk, PayFac credit analysis, 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 (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).Benefits
Remote First, Remote Always.Paid time off in accordance with local labor requirements.Corporate apartment accommodations for team members in San Diego & São Paulo.Full paid parental leave.Home office stipend based on country of residency.Professional development courses in Cloudbeds University.Access to professional therapy and coaching.Manager training, upskilling, and knowledge transfer programs.Inclusion & EEO Statement
Cloudbeds is proud to be an Equal Opportunity Employer that celebrates diversity in our global team. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, gender identity, age, veteran status, disability, or any other legally protected characteristic. We ensure reasonable accommodations for persons with disabilities and offer ASL interpretation where needed. Only applicants seeking a job at Cloudbeds may use this site—staffing agencies are not authorized.
Career Details
Seniority level : Mid‑SeniorEmployment type : Full‑timeJob function : Finance and SalesIndustries : Technology, Information and InternetLocation : Remote (Global)Company Highlights
Best All‑In‑One Hotel Management System | HotelTechAwards (2025)Overall 10 Best Places to Work | HotelTechAwards (2025)Most Loved Workplace® Certified (2024)Top 10 People’s Choice (2024)Deloitte Technology Fast 500 (2024)#J-18808-Ljbffr