Credit Risk Analyst

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.

You will play a pivotal part on the Credit team, reporting to our VP, Credit. We are expanding our charge card offering, and this role helps decides who gets credit, how much, and when to pull it back. Your mission: put the right limits in the hands of Relay's largest customers and keep that portfolio healthy as it scales.

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  We're looking for people who are relentless, curious, and care deeply about the work. You're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more. We welcome diverse backgrounds and people who think critically, challenge the status quo, and want to help small businesses thrive.

  If you require accommodations at any stage of the hiring process, please reach out to your Talent Partner.

  Disclaimer: For compliance reasons, all offers of employment at Relay are conditional upon a successful background check and employment verification through Certn.

  Important Notice: Relay’s recruitment team only contacts candidates and corresponds from official corporate email addresses ending in @relayfi.com. We will never ask for sensitive personal data (such as bank account details, credit card numbers, or social security/insurance numbers) during the initial application or interview stages.

• You've done manual commercial credit underwriting at a corporate or commercial card issuer, from large issuers to card-focused fintechs. US experience is not required.

• You're strong at financial statement analysis. You can spread statements and defend a limit from the balance sheet, income statement and liquidity picture.

• You use AI and data tools to work faster, and you can show how they've changed the way you underwrite or monitor a portfolio.

• You work well with sales. You can explain a decline or a smaller limit without losing the relationship.

• You figure out what work needs doing instead of waiting for the next case in the queue.

• SQL, especially in Snowflake

• Experience spreading statements in Heron or a similar tool

• Familiarity with S&P or Moody's financial statement models and business credit bureaus

• Experience as a risk partner embedded with a sales team