Merchant Credit Review Analyst Full-time Job

Role SummaryThe 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 Verification & Documentation ReviewReview all materials submitted from in-person merchant verifications (CAC certificates, trade permits, photos, utility bills, etc.) for completeness and authenticityCross-check documents against approved SOPs and internal credit standardsIdentify missing, forged, or inconsistent documentation and provide recommendations for correction or escalationClassify outcomes clearly (Approved / Rejected / Pending Clarification) with evidence-based justifications Risk Assessment & Decision SupportEvaluate merchant applications based on internal risk criteria and documentation qualityProvide “Match” or “Not Match” recommendations using defined SOP frameworksIdentify potential fraud or risk patterns and escalate to the Risk or Compliance teamSupport continuous improvement of risk assessment processes and tools SOP Adherence & Continuous ImprovementMaintain 100% compliance with all documentation and credit review SOPsParticipate in periodic SOP reviews and contribute to process optimizationProvide feedback and training support to FVOs and CVOs to improve submission qualityReport observed process or documentation gaps for audit follow-up Data Management & ReportingRecord all review outcomes accurately in existing CRM systemsEnsure timely completion of reviews within SLA targetsConduct basic data analysis to track rejection patterns and SOP deviationsContribute to regular reporting on review trends, fraud signals, and quality metricsQualifications & SkillsBachelor’s Degree in Business, Finance, Risk Management, or a related fieldFamiliarity 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 patternsPrior experience in merchant credit reviews or risk operations is a strong advantageExcellent attention to detail and ability to follow SOPs with high accuracyProficiency in Microsoft Excel, Google Sheets, or CRM/data review toolsStrong communication skills and professional judgment in approval recommendationsPreferred Experience3-5 years in credit review, merchant KYC, or risk management rolesFamiliarity with fintech, SME lending, or banking operationsCore CompetenciesSOP discipline & process complianceAnalytical thinking & data literacyRisk awareness & documentation integrityCommunication & collaborationAccuracy, accountability, and confidentialityPowered by JazzHRhLXnecqaZR