Merchant Credit Review Analyst
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Job Location:
Monthly Salary:
Posted on:
06-11-2025
Vacancies:
1 Vacancy
Job Summary
Merchant Credit Review Analyst
Role Summary
The Merchant Credit Review Analyst is responsible for reviewing and validating all materials collected during in-person merchant verification visits to ensure accuracy authenticity and compliance with internal Standard Operating Procedures (SOPs).
The role plays a crucial part in the credit approval process by analyzing risk indicators identifying documentation issues and making data-driven recommendations on whether each merchant should be approved. This position serves as a key quality control layer between field verification and credit disbursement.
Key Responsibilities
1. Verification & Documentation Review
Review all materials submitted from in-person merchant verifications (CAC certificates trade permits photos utility bills etc.) for completeness and authenticity.
Cross-check documents against approved SOPs and internal credit standards.
Identify missing forged or inconsistent documentation and provide recommendations for correction or escalation.
Classify outcomes clearly (Approved / Rejected / Pending Clarification) with evidence-based justifications.
2. Risk Assessment & Decision Support
Evaluate merchant applications based on internal risk criteria and documentation quality.
Provide Match or Not Match recommendations using defined SOP frameworks.
Identify potential fraud or risk patterns and escalate to the Risk or Compliance team.
Support continuous improvement of risk assessment processes and tools.
3. SOP Adherence & Continuous Improvement
Maintain 100% compliance with all documentation and credit review SOPs.
Participate in periodic SOP reviews and contribute to process optimization.
Provide feedback and training support to FVOs and CVOs to improve submission quality.
Report observed process or documentation gaps for audit follow-up.
4. Data Management & Reporting
Record all review outcomes accurately in existing CRM systems.
Ensure timely completion of reviews within SLA targets.
Conduct basic data analysis to track rejection patterns and SOP deviations.
Contribute to regular reporting on review trends fraud signals and quality metrics.
Qualifications & Skills
Bachelors Degree in Business Finance Risk Management or a related field.
Familiarity with local documentation and credentials related to process risks (e.g. CAC certificates trade permits tax IDs utility bills).
Strong data analysis skills and sensitivity or at least a basic understanding of risk indicators and documentation-based risk patterns.
Prior experience in merchant credit reviews or risk operations is a strong advantage.
Excellent attention to detail and ability to follow SOPs with high accuracy.
Proficiency in Microsoft Excel Google Sheets or CRM/data review tools.
Strong communication skills and professional judgment in approval recommendations.
Preferred Experience
3-5 years in credit review merchant KYC or risk management roles.
Familiarity with fintech SME lending or banking operations.
Core Competencies
SOP discipline & process compliance
Analytical thinking & data literacy
Risk awareness & documentation integrity
Communication & collaboration
Accuracy accountability and confidentiality
Role Summary
The Merchant Credit Review Analyst is responsible for reviewing and validating all materials collected during in-person merchant verification visits to ensure accuracy authenticity and compliance with internal Standard Operating Procedures (SOPs).
The role plays a crucial part in the credit approval process by analyzing risk indicators identifying documentation issues and making data-driven recommendations on whether each merchant should be approved. This position serves as a key quality control layer between field verification and credit disbursement.
Key Responsibilities
1. Verification & Documentation Review
Review all materials submitted from in-person merchant verifications (CAC certificates trade permits photos utility bills etc.) for completeness and authenticity.
Cross-check documents against approved SOPs and internal credit standards.
Identify missing forged or inconsistent documentation and provide recommendations for correction or escalation.
Classify outcomes clearly (Approved / Rejected / Pending Clarification) with evidence-based justifications.
2. Risk Assessment & Decision Support
Evaluate merchant applications based on internal risk criteria and documentation quality.
Provide Match or Not Match recommendations using defined SOP frameworks.
Identify potential fraud or risk patterns and escalate to the Risk or Compliance team.
Support continuous improvement of risk assessment processes and tools.
3. SOP Adherence & Continuous Improvement
Maintain 100% compliance with all documentation and credit review SOPs.
Participate in periodic SOP reviews and contribute to process optimization.
Provide feedback and training support to FVOs and CVOs to improve submission quality.
Report observed process or documentation gaps for audit follow-up.
4. Data Management & Reporting
Record all review outcomes accurately in existing CRM systems.
Ensure timely completion of reviews within SLA targets.
Conduct basic data analysis to track rejection patterns and SOP deviations.
Contribute to regular reporting on review trends fraud signals and quality metrics.
Qualifications & Skills
Bachelors Degree in Business Finance Risk Management or a related field.
Familiarity with local documentation and credentials related to process risks (e.g. CAC certificates trade permits tax IDs utility bills).
Strong data analysis skills and sensitivity or at least a basic understanding of risk indicators and documentation-based risk patterns.
Prior experience in merchant credit reviews or risk operations is a strong advantage.
Excellent attention to detail and ability to follow SOPs with high accuracy.
Proficiency in Microsoft Excel Google Sheets or CRM/data review tools.
Strong communication skills and professional judgment in approval recommendations.
Preferred Experience
3-5 years in credit review merchant KYC or risk management roles.
Familiarity with fintech SME lending or banking operations.
Core Competencies
SOP discipline & process compliance
Analytical thinking & data literacy
Risk awareness & documentation integrity
Communication & collaboration
Accuracy accountability and confidentiality
Required Experience:
Manager
Key Skills
- Financial Statement Preparation
- Credit Analysis
- Cash Flow Analysis
- Math
- Banking
- Analysis Skills
- UCC Law
- Underwriting
- Financial Analysis
- Financial Modeling
- Financial Report Interpretation
- Word Processing
About Company
An intuitive digital wallet with account opening, money transfer and bill payments in one. Earn as you spend.
