other
Posted Aug 28, 2025Senior Credit Analyst
at Parker
On-site
Requirements
- experience in credit analysis, preferably in SMB, middle market, or fintech lending - Deep understanding of business credit fundamentals and financial analysis - Strong judgment and a bias toward structured, data-informed decisions -
- Experience working with credit systems, financial modeling, and risk scoring frameworks - Ability to balance risk with commercial outcomes and growth priorities - Clear communication skills — both in writing and in stakeholder discussions - Comfortable in a fast-paced, dynamic startup environment NICE TO HAVE: -
- Experience with transaction-level data credit analysis (e.g.
Benefits
- We’ve raised over $180M in equity and debt from world-class investors, including Valar Ventures, Y Combinator, SVB, and notable founders such as Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound).
- WHAT YOU’LL DO: - Evaluate business credit applications with exposure limits ranging from $50K to $5M+ - Analyze financial statements (e.g.
- Plaid, Open Banking) - Background in fintech, payments, or embedded credit products - Familiarity with Anti-Financial Crime / KYB controls WHY PARKER: - Opportunity to shape the foundation of Parker’s credit philosophy and infrastructure - Competitive compensation, equity, and
Additional details
- ABOUT THE ROLE: Parker’s mission is simple but ambitious: to increase the number of financially independent people.
- We believe the best way to achieve this is by giving independent business owners the financial tools they need to scale profitably.
- Our core product combines a virtual corporate card with dynamic spending limits and profitability-focused software tooling—empowering eCommerce merchants to grow faster while staying in control of their margins.
- We’re a Series B fintech scaling rapidly, with strong product-market fit and accelerating demand.
- As a Senior Credit Analyst at Parker, you will be responsible for conducting deep credit assessments of businesses applying for our credit products.
- You’ll combine financial analysis, pattern recognition, and judgment to make informed, high-stakes credit decisions.
- You’ll work closely with our Risk, Sales, and Product teams to ensure that we are approving the right customers with the right structures, and scaling our credit safely.
- income statement, balance sheet, cash flow), bank transaction data, and real-time business performance - Assess qualitative factors including industry trends, business model risk, and founder/operator background - Recommend credit decisions (approve, decline, or modify) with supporting rationale, structuring terms as needed (e.g.
- limits, tenor, collateral) - Partner with Sales on customer discussions and structuring complex or higher-risk deals - Monitor portfolio health and assist in reviews of at-risk accounts or limit increases - Contribute to evolving Parker’s credit policies, frameworks, and decisioning models - Serve as a mentor and escalation point for junior credit and risk analysts WHAT WE’RE LOOKING FOR: - 5+ years of
- benefits - High-ownership culture with direct impact on business growth and portfolio quality - Work alongside top operators, builders, and risk leaders in the fintech space