Senior Credit Analyst

Senior Credit AnalystParker'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'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). 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.What You'll DoEvaluate business credit applications with exposure limits ranging from $50K to $5M+Analyze financial statements (e.g. income statement, balance sheet, cash flow), bank transaction data, and real-time business performanceAssess qualitative factors including industry trends, business model risk, and founder/operator backgroundRecommend 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 dealsMonitor portfolio health and assist in reviews of at-risk accounts or limit increasesContribute to evolving Parker's credit policies, frameworks, and decisioning modelsServe as a mentor and escalation point for junior credit and risk analystsWhat We're Looking For5+ years of experience in credit analysis, preferably in SMB, middle market, or fintech lendingDeep understanding of business credit fundamentals and financial analysisStrong judgment and a bias toward structured, data-informed decisionsExperience working with credit systems, financial modeling, and risk scoring frameworksAbility to balance risk with commercial outcomes and growth prioritiesClear communication skills — both in writing and in stakeholder discussionsComfortable in a fast-paced, dynamic startup environmentNice to HaveExperience with transaction-level data credit analysis (e.g. Plaid, Open Banking)Background in fintech, payments, or embedded credit productsFamiliarity with Anti-Financial Crime / KYB controlsWhy ParkerOpportunity to shape the foundation of Parker's credit philosophy and infrastructureCompetitive compensation, equity, and benefitsHigh-ownership culture with direct impact on business growth and portfolio qualityWork alongside top operators, builders, and risk leaders in the fintech space