Cloudbeds · 2 weeks ago
Payments Credit Risk Analyst
United States
Full-time
Remote
Mid Level
$75K/yr - $120K/yr
3+ years expCloudbeds is a company transforming hospitality through its software platform, which powers properties globally. They are seeking a Payments Credit Risk Analyst to protect their payments portfolio by assessing financials, recommending credit limits, and analyzing risks in a rapidly scaling fintech environment.
Enterprise SoftwareHospitalityHotelSaaSSoftware
Hiring Manager
Svetlana Danilov
Responsibilities
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
Qualification
Required
3+ years in payments risk, PayFac credit analysis, and / 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
Preferred
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
PTO in accordance with local labor requirements
2 corporate apartment accommodations for team member use for free (San Diego & São Paulo)
Full Paid Parental Leave
Home office stipend based on country of residency
Professional development courses in Cloudbeds University
Access provided to professional Therapy and Coaching
Access to professional development, including manager training, upskilling and knowledge transfer.
Company
Cloudbeds
Cloudbeds’ hospitality management platform enables hotels to grow revenue, streamline operations, and deliver memorable guest experiences.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$248.44MKey Investors
SoftBank Vision FundViking Global InvestorsPeakSpan Capital
2021-11-03Series D· $150M
2020-03-11Series C· $82M
2018-03-01Series Unknown
Leadership Team
Adam Harris
Chief Executive Officer
Richard Castle
Cofounder, President & COO
Recent News
Hotel Management Network
2026-01-20
Hotel Management Network
2025-12-22
Company data provided by crunchbase