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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 ...

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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 ...

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How much do merchant risk analyst jobs pay per hour?

As of Jun 19, 2026, the average hourly pay for 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.

How much do risk analysts get paid?

Risk analysts typically earn a median annual salary ranging from $60,000 to $80,000, depending on experience, location, and industry. Merchant risk analysts, a specialized role, may have similar or slightly higher compensation due to the technical skills required, such as data analysis and fraud detection tools.

What is a Merchant Risk Analyst job?

A Merchant Risk Analyst assesses the risk associated with businesses that process payments, ensuring they comply with financial regulations and fraud prevention measures. They analyze transaction patterns, detect suspicious activities, and evaluate the credibility of merchants to minimize financial losses. Their role involves using data-driven insights, risk models, and industry best practices to mitigate fraud and chargebacks. Additionally, they collaborate with internal teams to improve risk policies and support safe payment processing.

What is the salary of risk analyst?

The salary of a risk analyst varies depending on experience, location, and employer, but the average annual salary in the industry typically ranges from $60,000 to $90,000. At firms like JPMorgan Chase, risk analysts can earn higher salaries, especially with specialized skills or certifications such as FRM or CFA. Entry-level positions may start lower, while experienced analysts or those in senior roles can earn significantly more.

What is a merchant risk analyst?

A merchant risk analyst evaluates the financial and operational risks associated with merchants or vendors, often in payment processing or e-commerce environments. They analyze transaction data, identify potential fraud or compliance issues, and use tools like risk management software to help prevent financial losses and ensure secure transactions.

What are the key skills and qualifications needed to thrive in the Merchant Risk Analyst position, and why are they important?

To thrive as a Merchant Risk Analyst, you need strong analytical abilities, a background in finance or business, and expertise in risk assessment methodologies. Familiarity with data analysis tools (such as SQL, Excel, and risk management software), as well as experience with payment processing platforms, is often required. Excellent problem-solving skills, attention to detail, and effective communication abilities help you excel in compiling reports and working with cross-functional teams. These competencies are essential for accurately identifying potential risks, preventing financial losses, and maintaining secure merchant portfolios.

What does a typical day look like for a Merchant Risk Analyst?

A typical day for a Merchant Risk Analyst involves monitoring and analyzing merchant transactions to identify unusual or suspicious patterns, conducting in-depth investigations into high-risk accounts, and preparing detailed risk reports. You’ll regularly collaborate with compliance teams, sales, and customer support to address issues and mitigate potential risks. The role often includes updating risk models, developing preventive strategies, and communicating findings to management. This dynamic environment requires adaptability and the ability to balance routine monitoring with rapid response to emerging threats, making every day uniquely challenging and rewarding.

Is risk analyst a high paying job?

A risk analyst, including roles like Merchant Risk Analyst, typically earns a competitive salary that varies by industry, experience, and location. Entry-level positions may start lower, but experienced risk analysts with specialized skills can earn higher wages, often supplemented by bonuses and benefits.
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Merchant Risk Analyst jobs near you
Infographic showing various Merchant Risk Analyst job openings in the United States as of June 2026, with employment types broken down into 97% Full Time, 1% Temporary, and 2% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.
Staff Credit Risk Analyst, QB Capital

Staff Credit Risk Analyst, QB Capital

Intuit

Mountain View, CA • On-site

Full-time

This job post has expired today. Applications are no longer accepted.

Intuit rating

8.3

Company rating: 8.3 out of 10

Based on 84 frontline employees who took The Breakroom Quiz

73rd 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:

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