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Merchant Credit Analyst Jobs (NOW HIRING)

Parker

Senior Credit Analyst

New York, NY · On-site

$140K - $160K/yr

... merchants to grow faster while staying in control of their margins. We've raised over $180M in ... As a Senior Credit Analyst at Parker, you will be responsible for conducting deep credit ...

Parker Group Inc

Senior Credit Analyst

Manhattan, NY · On-site

... merchants to grow faster while staying in control of their margins. We've raised over $180M in ... As a Senior Credit Analyst at Parker, you will be responsible for conducting deep credit ...

Ace Hardware Corporation

Credit Analyst

Oak Brook, IL · On-site

$64K - $81K/yr

About This Role The Credit Analyst functions include Advanced Financial Statement Analysis for; the ... Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman ...

Ace Hardware Corporation

Credit Analyst

Oak Brook, IL · On-site

$64K - $81K/yr

About This Role The Credit Analyst functions include Advanced Financial Statement Analysis for; the ... Employee discounts on Ace merchandise (including top brands like Weber, Traeger, Yeti, Craftsman ...

Capital One Group

Senior Credit Analyst - Business Cards & Payments - Hybrid Key Role Details This role is a ... Driven by a high level of curiosity, you will evaluate complex financial statements, merchant spend ...

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Merchant Credit Analyst information

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$15

$29

$49

How much do merchant credit analyst jobs pay per hour?

As of Sep 9, 2026, the average hourly pay for merchant credit analyst in the United States is $29.92, according to ZipRecruiter salary data. Most workers in this role earn between $23.08 and $33.65 per hour, depending on experience, location, and employer.

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

AspectMerchant Credit AnalystCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit analysis coursesBachelor's degree, certifications like CFA or credit analysis courses
Work EnvironmentFinancial institutions, banks, or merchant service companiesBanks, investment firms, or financial institutions
Employer & Industry UsageFocuses on assessing merchant creditworthiness for payment processingEvaluates credit risk for various clients and loan applicants

Both roles involve analyzing credit data and require similar credentials, but Merchant Credit Analysts specifically assess merchant accounts for payment processing, while Credit Analysts evaluate broader credit risk for loans and investments.

Do merchant credit analysts make a lot of money?

Merchant credit analysts typically earn a median annual salary ranging from $50,000 to $70,000, depending on experience, location, and employer. Advanced skills, certifications, and working in larger financial institutions can lead to higher compensation.

What is the role of a merchant credit analyst?

A merchant credit analyst evaluates the creditworthiness of businesses that accept credit card payments, analyzing financial statements, credit reports, and transaction data to assess risk. They help determine credit limits and terms, often using financial analysis tools and industry knowledge to support lending decisions or risk management strategies.

What qualifications do you need to be a merchant credit analyst?

A merchant credit analyst typically needs a bachelor's degree in finance, accounting, economics, or a related field. Strong analytical skills, experience with financial statement analysis, and proficiency in spreadsheet and credit scoring tools are also important. Certifications such as the Certified Credit Analyst (CCA) can enhance job prospects.

What cities are hiring for Merchant Credit Analyst jobs?

Cities with the most Merchant Credit Analyst job openings:

What states have the most Merchant Credit Analyst jobs?

States with the most job openings for Merchant Credit Analyst jobs include:

What are popular job titles related to Merchant Credit Analyst jobs?

For Merchant Credit Analyst jobs, the most frequently searched job titles are:

Infographic showing various Merchant Credit Analyst job openings in the United States as of August 2026, with employment types broken down into 83% Full Time, 16% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $62,243 per year, or $29.9 per hour.

Senior Credit Analyst

New York, NY • On-site

Parker
Manufacturing • 10K+ employees
Learn more about Parkerexternal

$140K - $160K/yr

Full-time

Re-posted 14 days ago

Parker Hannifin rating

8.2

Company rating: 8.2 out of 10

Based on 365 frontline employees who took The Breakroom Quiz

88th of 547 rated manufacturers

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

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