[Hiring] Senior Credit Risk Analyst @INHABIT IQ

Role Description

As a Senior Merchant Credit and Risk Analyst, the primary responsibility is to monitor payment and merchant activity to identify suspicious, fraudulent, or high-risk behavior and help mitigate risk exposure across the Payments Division. This role serves as a key resource for transaction monitoring, risk investigations, account reviews, and ongoing portfolio oversight, while also supporting merchant underwriting and onboarding reviews as needed.

This position is ideal for someone who has broad payments risk experience, enjoys wearing multiple hats, and can quickly learn complex systems and workflows in depth. The role will also work closely with Product and Engineering teams to help improve and modernize Inhabit's risk management platform by providing operational feedback, identifying workflow gaps, testing new capabilities, and helping ensure future solutions meet real-world business and compliance needs.

Qualifications

• 5+ years of experience in payments risk, transaction monitoring, fraud operations, merchant underwriting, credit risk, financial crimes, or a similar risk-focused role.
• Direct merchant acquiring experience is required.
• Additional experience in a PayFac, payment processor, fintech, ISO, banking, or related payment environment preferred.
• Strong understanding of transaction monitoring, fraud indicators, account reviews, portfolio risk management, chargebacks, ACH returns, and loss prevention practices.
• Experience supporting or performing merchant underwriting, including KYB, KYC, OFAC, credit report review, financial statement review, and risk-based decisioning.
• Working knowledge of card brand rules and regulations, including chargeback thresholds, prohibited MCC management, and network compliance considerations.
• Understanding of ACH and NACHA guidelines as they relate to payment processing and risk management.
• Working knowledge of AML/BSA compliance frameworks, OFAC screening, sanctions risk management, and related due diligence requirements.
• Ability to learn systems deeply, identify process gaps, and communicate operational requirements clearly.
• Experience working cross-functionally with Product, Engineering, Compliance, Legal, Sales, Operations, or similar teams.
• Strong technical aptitude, including Excel, CRM solutions, case management systems, banking platforms, risk monitoring tools, and reporting systems.
• Comfortable learning new technologies, automation tools, and evolving risk management platforms.
• Demonstrated integrity, sound judgment, attention to detail, and ability to communicate risk decisions and findings clearly.

Requirements

• Bachelor's Degree preferred or equivalent work experience.
• CAMS, CFE, or equivalent AML, fraud, or risk certification is a plus.

Benefits

• Competitive Pay
• Health Insurance: Medical, Dental, Vision and Prescription Plans
• Health Savings Accounts
• Flexible Spending Account
• Dependent Flexible Spending Account
• Critical Illness
• Accident
• Retirement Savings Plan (401K) with discretionary company match
• Short- and Long-Term Disability
• Company Paid $25,000.00 Life Insurance
• Supplemental Life and AD&D Insurance
• Employee Assistance Program
• Paid Holidays
• Paid Vacation
• Paid Volunteer Time
• Inhabit Employee Discount Programs