Credit Risk Policy Analyst

Since we opened our doors in 2009, the world of commerce has evolved immensely, and so has Square. After enabling anyone to take payments and never miss a sale, we saw sellers stymied by disparate, outmoded products and tools that wouldn’t work together.

So we expanded into software and started building integrated, omnichannel solutions – to help sellers sell online, manage inventory, offer buy now, pay later functionality, book appointments, engage loyal buyers, and hire and pay staff. Across it all, we’ve embedded financial services tools at the point of sale, so merchants can access a business loan and manage their cash flow in one place. Afterpay furthers our goal to provide omnichannel tools that unlock meaningful value and growth, enabling sellers to capture the next generation shopper, increase order sizes, and compete at a larger scale.

Today, we are a partner to sellers of all sizes – large, enterprise-scale businesses with complex operations, sellers just starting, as well as merchants who began selling with Square and have grown larger over time. As our sellers grow, so do our solutions. There is a massive opportunity in front of us. We’re building a significant, meaningful, and lasting business, and we are helping sellers worldwide do the same.

The Role

Square, Inc. is seeking a Credit Policy Analyst to join our Risk team. In this role, you will be responsible for documenting, monitoring, and improving our end-to-end process to manage chargeback risk for sellers using Square to accept credit card payments. Responsibilities will include creation of new operational policies to be leveraged by our Credit agents, ensuring adherence through learning and development and quality assurance, as well as evaluating and adapting our strategies to best serve the needs of our Sellers amidst the evolving Square ecosystem. You will demonstrate a high degree of empathy for the businesses and people we serve, and bring creativity and structured thinking towards our procedures while maintaining a positive seller experience.

You Will

• Help manage daily workflows to increase understanding of processes and pain points
• Work closely with our Operations and Underwriting teams to identify process improvement opportunities 
• Utilize analytics to monitor process performance and support policy change 
• Help develop and implement comprehensive business rules that effectively allow sellers to process at Square while balancing potential loss to Square 
• Identify and resolve gaps in current processes and policies to mitigate operational errors
• Identify the key levers that have the greatest impact on operational efficiencies
• Maximize efficiency in an environment where the process is fluid and creative solutions are expected
• Build strong relationships with Disputes, Recovery, Fraud, Customer Support, and Account Management teams to maximize success in addressing large loss events
• Lead and manage multiple projects simultaneously with competing priorities

You Have

• 3+ years experience in credit risk management (preferably with a small business portfolio) designing strategy, policy, and operational processes
• Bachelor’s degree or higher with a background in engineering, mathematics, statistics, economics, or finance.
• High level of familiarity with small business credit risk data and concepts
• Financial statement underwriting experience
• Analytical skills and knowledge of SQL and Looker is a strong plus
• Able to use data to identify trends and anomalies, as well as to make recommendations for new initiatives
• Excellent project management skills - able to scope and execute key cross-functional initiatives
• Excellent written, oral, and presentation skills and an ability to synthesize information and make clear, concise recommendations on a course of action
• A creative and eager mindset, with a bias towards action and finding solutions