Senior Credit Analyst at Epicor

| San Francisco, CA
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Description & Requirements
Senior Credit Analyst
About Us:
We're here for the hard-working businesses that keep the world turning. They're the companies who make, deliver, and sell the things we all need. They trust Epicor to help them do business better. Their industries are our industries, and we understand them better than anyone. By working hand-in-hand with our customers, we get to know their business almost as well as they do. Our innovative solution sets are carefully curated to fit their needs and built to respond flexibly to their fast-changing reality. We accelerate every customer's ambitions, whether to grow and transform, or simply become more productive and effective. That's what makes us the essential partners for the world's most essential businesses.
About the Role:
The Senior Credit Analyst will be responsible for managing various credit and risk functions related to Credit and Debit Card Payment Processing for Epicor Payment Exchange. The credit/risk management for EPX encompasses four functions including underwriting, merchant periodic reviews, and risk monitoring (chargebacks, fraud, monetary and ACH rejects). Collectively, these functions are designed to protect Epicor and its customers from financial loss and fraud while maximizing and enhancing customer sales. In this role, you will assist the Senior Credit & Risk Manager with the following: periodic credit/risk review of existing customers to ensure compliance with the credit policy, underwriting of new merchant accounts, and other risk monitoring functions. You will utilize comprehensive risk strategies and analytics to identify and mitigate risk exposure to fraud and losses. Other duties include monitoring daily risk management reports, reaching out to merchants as necessary and ad-hoc projects.
What You'll Do:
• Analyze business financial statements, industry outlook, and credit data for businesses according to merchant services credit underwriting standards
• Periodic portfolio assessment to assure approved accounts that represent the highest risk as still creditworthy
• Underwriting of new merchant accounts according to established policy
• Be a subject matter expert (SME) on credit and credit policy to assist in sales inquiries.
• Daily monitoring of transaction activity to identify risk trends and fraud schemes
• Processing of bank identified transaction exceptions to validate and verify transaction qualifications
• Conduct investigations on transactions and batches to understand the risk of loss and take actions accordingly
What You Need to Succeed:
• 3-5 Years of risk management experience with acquiring card processing.
• 4 Year/Bachelor's degree or equivalent work experience (4+ years of experience in lieu of Bachelor's)
• Merchant processing credit approval and risk management experience
Additional Skills That Could Set You Apart:
• Experience within a software company is a plus
• Understanding of card brand regulations and requirements, including chargeback rules.
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Technology we use

  • Engineering
    • .NETLanguages
    • C#Languages
    • C++Languages
    • JavaLanguages
    • JavascriptLanguages
    • PerlLanguages
    • PythonLanguages
    • SqlLanguages
    • AngularJSFrameworks
    • ASP.NETFrameworks
    • DjangoFrameworks

What are Epicor Perks + Benefits

Volunteer in local community
Friends outside of work
Eat lunch together
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Open office floor plan
Dedicated Diversity/Inclusion Staff
Highly diverse management team
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Pet Insurance
Wellness Programs
Team workouts
Retirement & Stock Options Benefits
401(K) Matching
Performance Bonus
Vacation & Time Off Benefits
Paid Volunteer Time
Paid Holidays
Perks & Discounts
Casual Dress
Company Outings
Game Room
Happy Hours
Recreational Clubs
Professional Development Benefits
Job Training & Conferences
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Time allotted for learning
Customized development tracks
Paid industry certifications

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