Senior Credit Analyst

Job description

## **About The Role:** Parker’s mission is simple but ambitious: **to increase the number of financially independent people**. We believe the best way to achieve this is by giving independent business owners the financial tools they need to scale profitably. Our core product combines a **virtual corporate card with dynamic spending limits** and **profitability-focused software tooling**—empowering eCommerce merchants to grow faster while staying in control of their margins. We’ve raised **over $180M in equity and debt** from world-class investors, including **Valar Ventures, Y Combinator, SVB**, and notable founders such as **Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound).** We’re a **Series B fintech** scaling rapidly, with strong product-market fit and accelerating demand. As a **Senior Credit Analyst** at Parker, you will be responsible for conducting deep credit assessments of businesses applying for our credit products. You’ll combine financial analysis, pattern recognition, and judgment to make informed, high-stakes credit decisions. You’ll work closely with our Risk, Sales, and Product teams to ensure that we are approving the right customers with the right structures, and scaling our credit safely. ## **What You’ll Do:** - Evaluate business credit applications with exposure limits ranging from $50K to $5M+ - Analyze financial statements (e.g. income statement, balance sheet, cash flow), bank transaction data, and real-time business performance - Assess qualitative factors including industry trends, business model risk, and founder/operator background - Recommend credit decisions (approve, decline, or modify) with supporting rationale, structuring terms as needed (e.g. limits, tenor, collateral) - Partner with Sales on customer discussions and structuring complex or higher-risk deals - Monitor portfolio health and assist in reviews of at-risk accounts or limit increases - Contribute to evolving Parker’s credit policies, frameworks, and decisioning models - Serve as a mentor and escalation point for junior credit and risk analysts ## **What We’re Looking For:** - 5+ years of experience in credit analysis, preferably in SMB, middle market, or fintech lending - Deep understanding of business credit fundamentals and financial analysis - Strong judgment and a bias toward structured, data-informed decisions - Experience working with credit systems, financial modeling, and risk scoring frameworks - Ability to balance risk with commercial outcomes and growth priorities - Clear communication skills — both in writing and in stakeholder discussions - Comfortable in a fast-paced, dynamic startup environment ## **Nice to Have:** - Experience with transaction-level data credit analysis (e.g. Plaid, Open Banking) - Background in fintech, payments, or embedded credit products - Familiarity with Anti-Financial Crime / KYB controls ## **Why Parker:** - Opportunity to shape the foundation of Parker’s credit philosophy and infrastructure - Competitive compensation, equity, and benefits - High-ownership culture with direct impact on business growth and portfolio quality - Work alongside top operators, builders, and risk leaders in the fintech space