The global Square Risk team works to protect Square, Square sellers, and enable safe growth across our ecosystem. We are looking for a Credit Risk Specialist to join Square's Risk team to help manage credit risk for sellers processing on Square. Working with a Credit Risk Analyst, you will understand credit and financial analysis, and have a desire to apply those skills in innovative ways to help Square increase annual processing volume while controlling loss related to chargebacks. You will work with USA-based Credit Risk team members and report to the Lead, APAC Risk Operations and Policy (based in Melbourne). This role can be located anywhere on the East Coast of Australia, and can work from home or in our Melbourne office.
You will conduct reviews of our sellers, assessing credit risk associated with processing activity, and taking appropriate action following risk policies and adhering to internal and seller-facing service-level agreements. Curious to learn, you will gather insights, identify areas for improvement, and contribute to key initiatives to push our team forward. You will have a seller-first mentality, ensuring we live up to our purpose of Economic Empowerment, even if it isn't always the easiest course of action.
You will:
- Perform reviews of high-risk seller accounts and take action in line with Square's risk policies
- Analyse risks associated with different seller business models and card processing patterns
- Collect and review appropriate documentation necessary to assess and mitigate risk
- Document decisions and rationale following our underwriting guidelines
- Communicate with sellers by phone and email, including investigative-level conversations
- Work with internal partners including Fraud and Compliance, and multiple levels of management
- Help identify process improvements and contribute to Credit Risk projects and initiatives
