Company Information
-------------------
Company Name: Cloudbeds 
Website: https://www.cloudbeds.com/

Job Information
---------------
Job Title: Payments Credit Risk Analyst
Job Type: Permanent
Start Date: ASAP
Job Description:
What Makes Us Unique

At Cloudbeds, we're not just building software, we’re transforming
hospitality. Our intelligently designed platform powers properties across 150
countries, processing billions in bookings annually. From independent
properties to hotel groups, we help hoteliers transform operations and
uplevel their commercial strategy through a unified platform that integrates
with hundreds of partners. And we do it with a completely remote team.
Imagine working alongside global innovators to build AI-powered solutions
that solve hoteliers' biggest challenges. Since our founding in 2012, we've
become the World's Best Hotel PMS Solutions Provider and landed on Deloitte's
Technology Fast 500 again in 2024 – but we're just getting started.

How You'll Make an Impact:

As a Payments Risk Credit Analyst, you’ll play a key role in protecting
Cloudbeds and our hotel partners as we scale rapidly. This role is highly
impactful: your insights will directly influence how we onboard, manage, and
protect our global payments portfolio. You’ll thrive by owning problems
end-to-end, learning continuously as our product and payments offerings
evolve, and helping us navigate the complexities of a hyper-growth fintech
environment.

Our Payments Risk Team:

We’re a collaborative, data-driven team that safeguards Cloudbeds while
empowering our customers to grow with confidence. We work closely with
Finance, Legal, Customer Success and Sales to monitor merchant exposure,
design credit and reserve frameworks, and anticipate risks before they
materialize. We support one another, but also expect each team member to be
self-driven and comfortable making decisions in an ambiguous environment.

What You Bring to the Team:

- 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



Requirements:
What Sets You Up for Success:

- 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

Bonus Skills to Stand Out:

- 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)

Compensation: Depending on your skills and experience, you can expect your
annual compensation to be between $75K- $120K 



Links to External Job Postings:
Title:  Payments Credit Risk Analyst
URL: https://www.cloudbeds.com/careers/


Resume Information
------------------
Applicants should submit the following:: Resume
Majors Desired:: Business
Degree levels accepted:: Associate, Bachelor, Graduate

Application Information
-----------------------
Apply online at:: https://www.cloudbeds.com/careers/
Email application materials to:: christopher.hagger@cloudbeds.com