Senior Credit Risk Analyst

About the role

Inhabit operates a unique collective of tech-forward companies serving the residential, commercial, and short-term rental industries. Our team members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. Inhabit believes that property managers are central to the success of the residential and short-term rental markets and delivers products built to empower them, their investors, and communities.

Responsibilities

• Verify and assess merchant application information, including performing KYB, KYC, credit report review, and financial statement analysis to approve or decline applications
• Leverage AI-assisted underwriting tools to accelerate application evaluation, surface risk indicators, and validate AI-generated outputs with sound human judgment
• Monitor daily transactions to identify and investigate suspicious, fraudulent, or high-risk activity and escalate findings appropriately
• Utilize AI-powered anomaly detection and transaction monitoring platforms to identify fraud signals and high-risk patterns at scale
• Evaluate merchant portfolios for risk exposure, credit thresholds, and compliance with card brand rules and regulatory guidelines
• Collaborate with internal teams including Sales, Legal, Product, and Engineering to mitigate risk and ensure compliance across workflows
• Partner in the development and refinement of AI-driven risk workflows; identify use cases for automation and contribute domain expertise to AI system design and improvement
• Prepare detailed reports and risk assessments for management, including recommendations for risk mitigation and loss prevention
• Apply generative AI tools to synthesize portfolio risk data, draft risk summaries, and enhance reporting efficiency
• Mentor analysts through guidance on risk models, investigative techniques, professional development, and responsible AI tool usage
• Identify and implement process improvements for underwriting, risk management, and operational efficiency
• Remain up to date on payment industry regulations, trends, AI developments in risk management, and best practices to proactively manage risk exposure
• Participate in AI tool training and upskilling initiatives, maintaining a growth mindset toward emerging technology
• Apply critical judgment to AI-generated outputs — knowing when to trust, when to question, and when to override automated recommendations
• Contribute risk domain expertise to help define AI model inputs, flag potential bias or errors, and translate business needs into system requirements
• Help establish guardrails and best practices for responsible AI use within the risk and compliance function

Qualifications

• 3–5 years’ experience in FinTech, payment processing, or risk management
• Experience in the payments industry and awareness of current trends
• Working knowledge of card brand rules and regulations (Visa, Mastercard, Amex, Discover)
• Understanding of ACH and NACHA guidelines as they relate to payment processing and risk management
• Transaction risk monitoring experience
• Knowledge of and experience working with a mix of electronic payment types
• Proficiency in reading and analyzing credit reports and financial documents
• Excellent customer service skills
• Strong technical skills including Excel, Asana, CRM solutions, banking software, and ticketing systems
• Familiarity with AI/ML-powered fraud detection, risk monitoring platforms, or automated underwriting tools
• Comfort working with AI-generated outputs and the judgment to validate, override, or escalate as appropriate
• Experience using generative AI tools (e.g., ChatGPT, Microsoft Copilot) to improve workflow efficiency
• Demonstrated integrity, good judgment, and strong decision-making abilities
• Experience in one or more of the following: Payments industry, Underwriting or risk management, Collections

Pay

$80,000 - $100,000 annually

Schedule

Full Time, Salaried, Exempt

Benefits

• Competitive Pay
• Health Insurance: Medical, Dental, Vision and Prescription Plans
• Health Savings Account
• Flexible Spending Account
• Dependent Flexible Spending Account
• Critical Illness
• Accident
• Retail Savings Plan (401K) with discretionary company match
• Short and Long Term Disability
• Company Paid $25,000.00 Life Insurance
• Supplemental Life and AD&D Insurance
• Employee Assistance Program
• Paid Holidays
• Paid Vacation
• Paid Volunteer Time
• Inhabit Employee Discount Programs

Our Company is an Equal Opportunity Employer and complies with all federal, state, and local laws, including providing reasonable accommodation to applicants.