Risk Research Specialist I - Remote in MI ONLY!

Job Description

Job Description

Description:

Who We Are:

A Top Place to Work!

We believe in small businesses and the people who grow them. At Credibly, we leverage cutting-edge data science, technology, partner relations, and customer support to provide business owners with accelerated access to right-sized capital solutions. From working capital loans and merchant cash advances to lines of credit, we offer a suite of financing products that can accommodate nearly any stage of business development or credit profile.

Founded in 2010 with offices in Michigan, New York, and Arizona, we have provided access to over $3.1 billion to more than 61,000 small businesses nationwide. On top of being nominated as one of Crain’s 50 fastest growing companies in New York and making several appearances on the Inc. 500 list, Credibly was also recently named a Top 25 Lending Technology Company by The Financial Technology Report.

We are looking for an analytical Risk Research Specialist to join our team. This is a critical role for a detail-oriented professional who excels at investigative research and complex problem-solving. You will be responsible for validating the authenticity of business data, identifying potential risk indicators, and ensuring the integrity of our underwriting pipeline.

• Advanced Data Verification: Conduct deep-dive investigative research into applicant information by cross-referencing multiple internal and external data sources to verify business legitimacy and financial health.
• Critical Risk Analysis: Analyze discrepancies in applicant documentation; independently resolve complex verification issues by applying sound critical thinking and judgment.
• Operational Performance: Maintain high standards of accuracy and thoroughness while meeting daily production benchmarks in a fast-paced fintech environment.
• Cross-Functional Collaboration: Partner with underwriting and partner relations teams to provide clear, actionable insights derived from your research, supporting Crediby’s goal of accelerated, right-sized capital solutions.
• Process Improvement: Identify and document patterns of risk or process inefficiencies to support platform enhancements and improve data quality.

• Analytical Mindset: Proven ability to synthesize information from various sources to form a clear, risk-based conclusion.
• Problem-Solving Excellence: Demonstrated history of independently identifying issues and seeing them through to resolution, even when data is ambiguous.
• Technical Literacy: Advanced proficiency with Microsoft Excel (e.g., data manipulation, VLOOKUPs, pivot tables) and experience with CRM or internet-based verification tools.
• Communication & Composure: Excellent written and oral communication skills, with the ability to articulate complex risk findings to stakeholders.
• Experience & Education: 1-3 years of experience in data analysis, financial verification, underwriting support, or risk operations .
• Efficiency: Ability to type 60+ WPM with high accuracy.

How You Will Benefit:

• Flexible working conditions, via hybrid remote/in-office work
• Generous PTO package
• 8 Paid Company Holidays
• Paid Parental Leave, Bereavement, and Jury Duty
• 401k with company match (and 100% vesting after 2 years)
• Medical insurance through BCBSM or BCN
• Dental and Vision provided by BCBS?
• HSA and FSA available, including LPFSA and Dependent Care
• Company paid life insurance and short-term disability
• Additional optional insurances