Senior Credit and Risk Analyst

About Inhabit

Inhabit operates a unique collective of tech-forward companies serving the residential, commercial, and short-term rental industries. Our team members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. Inhabit believes that property managers are central to the success of the residential and short-term rental markets and delivers products built to empower them, their investors, and communities. Come help build the company you want to Inhabit. To learn more, visit inhabit.com.

Job Description Summary

As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account reviews and report findings to management. This role will focus on ensuring compliance, preventing risk and mitigate losses for the company.

What You’ll Do (Functions & Responsibilities)

• Verify and assess merchant application information, including performing KYB, KYC, credit report review, and financial statement analysis to approve or decline applications
• Monitor daily transactions to identify and investigate suspicious, fraudulent, or high-risk activity and escalate findings appropriately
• Evaluate merchant portfolios for risk exposure, credit thresholds, and compliance with card brand rules and regulatory guidelines
• Complete compliance reviews for new and existing clients to ensure adherence to PCI, AML, and other applicable standards
• Collaborate with internal teams including Sales, Legal, Product, and Engineering to mitigate risk and ensure compliance across workflows
• Prepare detailed reports and risk assessments for management, including recommendations for risk mitigation and loss prevention
• Support collections activities, chargeback analysis, and review of contractual risk language when applicable
• Mentor analysts through guidance on risk models, investigative techniques, and professional development
• Identify and implement process improvements for underwriting, risk management, and operational efficiency
• Remain up to date on payment industry regulations, trends, and best practices to proactively manage risk exposure

What We’re Looking For (Minimum qualifications)

• 3-5 years’ experience in FinTech, Payment processing or Risk Management.
• Experience in the payments industry and awareness of current trends.
• Working knowledge of card brand rules and regulations (Visa, Mastercard, Amex, Discover)
• Understanding of ACH and NACHA guidelines as they relate to payment processing and risk management
• Transaction Risk Monitoring experience
• Knowledge of and experience working with a mix of electronic payment types.
• Proficiency in reading and analyzing credit reports and financial documents.
• Excellent customer service skills.
• Strong technical skills including Excel, Asana CRM solutions, banking software, ticketing systems.
• Demonstrate integrity, good judgment, and strong decision-making abilities.
• Experience in one or more of the following:
  • Payments industry
  • Underwriting or risk management
  • Collections

Education Requirements

• Bachelor’s Degree preferred or equivalent work experience

Type

• Full Time, Salaried, Exempt

Location

• Remote in Charlotte NC