[Hiring] Credit Risk Lead @Shift4

Role Description

Shift4 Payments is looking for a Credit Risk Lead to join our Risk function team. This role sits at the center of how we evaluate, manage, and scale credit risk across our highest-risk verticals, including Airlines, Travel, and Furniture, supporting a large and growing portfolio of high-exposure merchants.

• Review complex merchant applications and serve as an escalation point for nuanced or high-exposure deals.
• Operate with strong risk underwriting judgment, set a high bar for decision quality, and bring structure to how we assess complex risk.

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field preferred.
• 5+ years of experience in credit underwriting, risk management, or a related field (payments, fintech, or financial services preferred).
• Experience operating in environments with defined risk appetite, exposure limits, and credit decision frameworks.
• Self-starter who can handle multiple tasks in a fast-paced environment.
• Clear and concise communicator, able to articulate credit decisions and risk considerations to both technical and non-technical stakeholders.

Requirements

• Strong experience underwriting complex or high-risk merchants, with the ability to assess financial performance, business models, and key credit risk drivers.
• Proven ability to make independent credit decisions, take ownership of outcomes, and apply sound judgment in high-stakes or ambiguous situations.
• Familiarity with high-risk verticals such as Travel, Airlines, or other delayed delivery/high-ticket industries, including an understanding of associated risk dynamics.
• Advanced ability to interpret financial statements and credit data to form clear, well-supported risk assessments.
• Experience working closely with Sales, Product, and Risk stakeholders to support commercially viable decisions while maintaining appropriate risk controls.
• Ability to guide and support analysts, improving underwriting quality and consistency without formal people management responsibility.
• Experience improving underwriting processes, policies, or risk frameworks in a scalable, high-volume environment.

Company Description