Payments Credit Risk Analyst

Overview

Join to apply for the Payments Credit Risk Analyst role at Cloudbeds .

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.

Responsibilities

• 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 (Qualifications)

Bonus Skills to Stand Out (Optional)

What to Expect — Your Journey with Us

Background on Cloudbeds : we’re a fully remote team with 650+ employees across 40+ countries, solving challenges in hospitality with AI and innovative tech. Learn more at cloudbeds.com.

Our Payments Risk Team

We’re a collaborative, data-driven team that safeguards Cloudbeds while empowering our customers to grow with confidence. We work with Finance, Legal, Customer Success and Sales to monitor merchant exposure, design credit and reserve frameworks, and anticipate risks before they materialize.

Benefits

Equal Opportunity

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, or other applicable legally protected characteristics. We provide reasonable accommodations in the hiring process and encourage applicants who may need accommodations to apply. Contact our HR team for accommodation requests.

Company and Role Details

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