Payments Credit Risk Analyst

**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

**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 (Optional)**:

- 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)

LI-REMOTE #LI-SD1

**What to Expect - Your Journey with Us**:
Behind Cloudbeds' revolutionary technology is a team of redefining what's possible in hospitality. We're 650+ employees across 40+ countries, bringing together elite engineers, AI architects, world-class designers, and hospitality veterans to solve challenges others haven't dared to tackle. Our diverse team speaks 30+ languages, but we all share one language: a passion for innovation and travel. From pioneering breakthroughs in machine learning to revolutionizing how hotels operate, we're not just watching the future of hospitality unfold - we're coding it, designing it, writing it and shipping it. If you're ready to work alongside some of the brightest minds in tech who are obsessed with using AI to transform a trillion-dollar industry, this is your chance to be part of something extraordinary.

**Company**Awards** to Check Out**:

- Best All-In-One Hotel Management System | HotelTechAwards (2025)
- Overall 10 Best Places to Work | HotelTechAwards (2025)
- Most Loved Workplace® Certified (2024)
- Top 10 People's Choice(2024)
- Deloitte Technology Fast 500 (2024)

**Discover our 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.

**Everyone is Welcome - A Culutre of Inclusion**:

- Cloudbeds is proud to be an Equal Opportunity Employer that celebrates the diversity in our global team We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability,