Senior Credit Risk Analyst

About Inhabit Inhabit operates a unique collective of tech-forward companies serving the residential, commercial, and short-term rental industries. Our team members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. Inhabit believes that property managers are central to the success of the residential and short-term rental markets and delivers products built to empower them, their investors, and communities.

Come help build the company you want to Inhabit. To learn more, visit  Description Summary As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account reviews and report findings to management. This role will focus on ensuring compliance, preventing risk, and mitigating losses for the company.

You will also play an active role in the development and adoption of AI-powered risk tools, helping to shape how intelligent automation is integrated into our risk workflows.

What You’ll Do (Functions & Responsibilities)
Verify and assess merchant application information, including performing KYB, KYC, credit report review, and financial statement analysis to approve or decline applications

Leverage AI-assisted underwriting tools to accelerate application evaluation, surface risk indicators, and validate AI-generated outputs with sound human judgment

Monitor daily transactions to identify and investigate suspicious, fraudulent, or high-risk activity and escalate findings appropriately

Utilize AI-powered anomaly detection and transaction monitoring platforms to identify fraud signals and high-risk patterns at scale

Evaluate merchant portfolios for risk exposure, credit thresholds, and compliance with card brand rules and regulatory guidelines

Complete compliance reviews for new and existing clients to ensure adherence to PCI, AML, and other applicable standards

Collaborate with internal teams including Sales, Legal, Product, and Engineering to mitigate risk and ensure compliance across workflows

Partner in the development and refinement of AI-driven risk workflows; identify use cases for automation and contribute domain expertise to AI system design and improvement

Prepare detailed reports and risk assessments for management, including recommendations for risk mitigation and loss prevention

Apply generative AI tools to synthesize portfolio risk data, draft risk summaries, and enhance reporting efficiency

Support collections activities, chargeback analysis, and review of contractual risk language when applicable

Mentor analysts through guidance on risk models, investigative techniques, professional development, and responsible AI tool usage

Identify and implement process improvements for underwriting, risk management, and operational efficiency

Remain up to date on payment industry regulations, trends, AI developments in risk management, and best practices to proactively manage risk exposure

Actively engage with and help evaluate AI-powered risk tools and platforms as they are introduced

Participate in AI tool training and upskilling initiatives, maintaining a growth mindset toward emerging technology

Apply critical judgment to AI-generated outputs — knowing when to trust, when to question, and when to override automated recommendations

Contribute risk domain expertise to help define AI model inputs, flag potential bias or errors, and translate business needs into system requirements

Help establish guardrails and best practices for responsible AI use within the risk and compliance function

What We’re Looking For (Minimum Qualifications)3–5 years’ experience in Fin Tech, payment processing, or risk management

Experience in the payments industry and awareness of current trends

Working knowledge of card brand rules and regulations (Visa, Mastercard, Amex, Discover)
Understanding of ACH and NACHA guidelines as they relate to payment processing and risk management

Transaction risk monitoring experience

Knowledge of and experience working with a mix of electronic payment types

Proficiency in reading and analyzing…