Payments Credit Risk Analyst

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.
Overview
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.
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)
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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.
Overall 10 Best Places to Work | HotelTechAwards (2025)
Top 10 People's Choice(2024)
Remote First, Remote Always
PTO in accordance with local labor requirements
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 Culture 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, protected veteran status, disability status, or other legally protected characteristics.
Cloudbeds is committed to the full inclusion of all qualified individuals.
Cloudbeds will ensure that persons with disabilities are provided reasonable accommodations in the hiring process.
We encourage applicants who require accommodations to apply.
If reasonable accommodation is needed to participate in the job application or interview process or to perform essential job functions, please contact our HR team.
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Staffing, recruiting agencies, and individuals being represented by an agency are not authorized to use this site or to submit applications, and any such submissions will be considered unsolicited.
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Please do not forward resumes to our jobs alias, Cloudbeds employees, or any other company location.
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Equal Employment Opportunity Information (Light)
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