ZipRecruiter

Log In

1

Freelance Merchant Risk Analyst Jobs (NOW HIRING)

Whop

Payments Risk Manager

New York, NY · On-site

$100K - $130K/yr

Risk is not a back-office function - it's embedded in growth. As our first dedicated Payments Risk ... and merchant behavior across card and alternative payment rails * Analyze fraud patterns ...

Upgrade

Senior Merchant Underwriter

Atlanta, GA · Hybrid

$94K - $112K/yr

Read and interpret commercial credit reports to assess merchant risk profiles * Analyze business financial statements including balance, income statement and cash flow. * Contribute to regular staff ...

Impact Payments Recruiting

Leverage analytics to identify emerging industry risk trends and proactively adjust exposure ... Deep expertise in merchant risk, card-not-present exposure, chargeback management, fraud typologies ...

next page

Showing results 1-20

All JobsFreelance Merchant Risk Analyst Jobs

Freelance Merchant Risk Analyst information

See salary details

$15

$40

$65

How much do freelance merchant risk analyst jobs pay per hour?

As of Jun 18, 2026, the average hourly pay for freelance merchant risk analyst in the United States is $40.49, according to ZipRecruiter salary data. Most workers in this role earn between $29.81 and $49.28 per hour, depending on experience, location, and employer.

What is the difference between Freelance Merchant Risk Analyst vs Freelance Credit Analyst?

AspectFreelance Merchant Risk AnalystFreelance Credit Analyst
CredentialsFinancial analysis, risk management certifications often preferredFinancial analysis, credit risk certifications often preferred
Work EnvironmentOnline, remote, project-based for e-commerce and payment providersOnline, remote, project-based for banks, lenders, and financial institutions
Employer & IndustryE-commerce platforms, payment processors, fintechBanks, credit agencies, lending companies
Search & Comparison IntentUnderstanding risk assessment for merchantsAssessing creditworthiness of individuals or companies

Both roles involve financial analysis and risk assessment but focus on different areas. A Freelance Merchant Risk Analyst specializes in evaluating risks associated with online merchants and e-commerce transactions, while a Freelance Credit Analyst assesses creditworthiness for lending purposes. The skills and certifications overlap, but their industry applications and target clients differ.

More about Freelance Merchant Risk Analyst jobs
What cities are hiring for Freelance Merchant Risk Analyst jobs? Cities with the most Freelance Merchant Risk Analyst job openings:
What are the most commonly searched types of Merchant Risk Analyst jobs? The most popular types of Merchant Risk Analyst jobs are:
What states have the most Freelance Merchant Risk Analyst jobs? States with the most job openings for Freelance Merchant Risk Analyst jobs include:
What job categories do people searching Freelance Merchant Risk Analyst jobs look for? The top searched job categories for Freelance Merchant Risk Analyst jobs are:
Freelance Merchant Risk Analyst jobs near you
Staff Credit Risk Analyst, QB Capital

Staff Credit Risk Analyst, QB Capital

Intuit

Mountain View, CA • On-site

Full-time

Posted 3 days ago

Intuit rating

8.4

Company rating: 8.4 out of 10

Based on 83 frontline employees who took The Breakroom Quiz

67th of 191 rated software companies

Job description

One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic - providing small businesses access to the capital they need, when they need it, leveraging the data inside QuickBooks for faster and better decisioning. That's how we power prosperity.
QuickBooks Capital is a nimble and high-priority fintech company within Intuit, reinventing small business financing. Our Revenue Based Financing (RBF) product gives small businesses flexible access to capital, with repayments tied to their revenue - making financing more accessible and aligned with how businesses operate. We are looking for top talent who love new challenges, cracking tough problems, and working cross-functionally.
As a Staff Credit Analyst on the QB Capital Credit Risk team, you will be a key driver of our Revenue Based Financing credit strategy. You will own credit policy design, portfolio monitoring, and risk analytics end-to-end - partnering closely with data science, engineering, product, finance, and compliance teams to grow a healthy and high-performing RBF portfolio.
This role will focus on three areas:
  • Drive credit risk strategy for the Revenue Based Financing product, from acquisition through collections
  • Ensure our RBF portfolio performs within risk tolerance while supporting aggressive growth targets
  • Partner with data science and engineering teams to leverage the latest models and data to serve QuickBooks customers' financing needs.

Responsibilities
Credit Policy & Underwriting Strategy
  • Design, implement, and monitor credit policies for Revenue Based Financing, including approval rates, financing amounts, factor rates, and repayment terms based on revenue-based risk signals
  • Develop and refine underwriting criteria leveraging QuickBooks transaction data, cash flow patterns, revenue trends, and third-party bureau data
  • Build, test, and deploy A/B experiments to evaluate new credit strategies and quantify their impact on approval rates, risk-adjusted returns, and portfolio performance
  • Partner with data scientists to develop and validate credit models, scorecards, and revenue-based risk features for underwriting

Portfolio Monitoring & Analytics
  • Monitor key RBF portfolio risk indicators including delinquency, remittance rates, early payment defaults, charge-offs, and recoveries
  • Perform deep-dive portfolio analyses to understand drivers of performance across vintages, channels, industries, and revenue tiers
  • Summarize and communicate the impact of changes in credit quality, portfolio composition, and macroeconomic conditions to senior leadership
  • Build and maintain dashboards and reporting to ensure stakeholders have timely visibility into portfolio health and credit KPIs

Cross-Functional Collaboration & Implementation
  • Collaborate with legal, compliance, bank partnership, and investor teams to ensure all credit policies are appropriately approved and compliant
  • Partner with data engineers to build data pipelines, deploy policies, and implement quality controls (QC) to ensure correct execution in production
  • Work with the product team to design product procedures and customer experiences that manage risk exposure while optimizing conversion and retention
  • Drive stakeholder alignment by translating complex risk analyses into clear, actionable recommendations for non-technical audiences

Qualifications
Education & Experience
  • MS/PhD in a quantitative field (Statistics, Mathematics, Economics, Finance, Engineering, Computer Science) or Bachelor's degree in related fields with 7+ years of equivalent experience
  • 5+ years of experience in credit risk, analytics, or a related role within lending, fintech, or financial services
  • Experience with Revenue Based Financing, merchant cash advance, or other fintech lending products strongly preferred
  • Prior experience at a bank, fintech, or alternative lending platform is a strong plus

Technical Skills
  • Strong proficiency in Python and SQL for data analysis, automation, and policy testing
  • Experience working with large-scale transactional data and cloud-based data environments (e.g., AWS S3, Snowflake, BigQuery, Spark)
  • Proficiency in building dashboards and visualizations using Tableau or equivalent tools

Domain Knowledge
  • Deep knowledge of credit risk concepts including underwriting, credit bureau data, scorecard modeling, pricing, loss forecasting, and collections
  • Understanding of revenue-based repayment dynamics, cash flow underwriting, and SMB financial health indicators
  • Familiarity with regulatory and compliance requirements in consumer and small business lending

Leadership & Communication
  • Proven ability to lead complex analytical projects end-to-end with minimal direction
  • Strong business acumen - able to understand problems from multiple stakeholder perspectives and connect analytical outputs to business outcomes
  • Excellent written and verbal communication skills; comfortable presenting findings to senior leadership and cross-functional partners
  • Meticulous attention to detail and high standards for the quality of your work

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at ). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:

What Intuit employees say

Pay

Benefits

Hours and flexibility

Workplace

Get the full story on Breakroom

Apply