Senior Analyst, Credit

About the Role

Engine X is a corporate card and spend management product with a growing application volume that requires rigorous, fast credit decisioning. The Sr. Credit Analyst owns the full underwriting cycle — application review, KYB, limit-setting, documentation, and escalation — with the analytical judgment to execute independently and the instinct to flag what the team needs to know.

What You'll Do

• Work the Engine X credit underwriting queue from receipt to decision — applying the credit decision framework with speed and documented rationale.
• Run KYB verification — validate business identity, interpret D&B and equivalent bureau data, and assess creditworthiness for each application.
• Actively flag steps in the underwriting workflow that can be systematized or removed — we're building toward a decision engine, and your observations from the queue feed that build.
• Document every decision to the standard required for exception review and regulatory defensibility — notes that stand on their own without verbal explanation.
• Identify patterns across applications — shared signals, exception trends, emerging risk indicators — and surface them proactively rather than treating each application in isolation.
•  Support backtest analysis for proposed rule changes — help assess the impact of policy shifts on historical application data.
•  Contribute to SOP development and documentation as the credit framework matures.
•  Coordinate with the Fraud team on application-stage signals that overlap between fraud and credit risk.

What We're Looking For

• 3+ years of commercial or business credit analysis or underwriting experience — comfortable owning the full decision lifecycle independently.
• D&B or equivalent commercial credit bureau experience.
• KYB process execution.
• Automation mindset — you're uncomfortable with manual processes that could be systematized and you say so. You see the queue as a source of signal for what to automate next, not just work to be done.
• Strong documentation — underwriting rationale that stands on its own for exception review or regulatory defensibility.
• Ability to identify patterns across applications and flag policy gaps proactively.
• Fintech, corporate card, or SMB credit environment strongly preferred.
• SQL or Google Sheets / Excel for data analysis a plus.
• Experience contributing to SOP or credit policy documentation a plus.