Risk Research Specialist - Remote in MI

Job Type

Full-time

Credibly is a small‑business lender that uses data science, technology, partner relations, and customer support to provide accelerated access to right‑sized capital solutions. Founded in 2008, it has provided over $3.1 billion to more than 61,000 small businesses nationwide. Offices are located in Michigan, New York, and Arizona.

We are looking for an analytical Risk Research Specialist to join our underwriting team. This critical role requires a detail‑oriented professional who excels at investigative research and complex problem‑solving. The successful candidate will validate business data, identify risk indicators, and ensure the integrity of our underwriting pipeline.

• Advanced data verification: conduct deep‑dive research into applicant information, cross‑referencing internal and external data sources to confirm business legitimacy and financial health.
• Critical risk analysis: analyze discrepancies in applicant documentation and independently resolve complex verification issues with sound judgment.
• Operational performance: maintain high 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 research.
• 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 diverse sources to form risk‑based conclusions.
• Problem‑solving excellence: demonstrated history of independently identifying issues and seeing them through to resolution, even with ambiguous data.
• Technical literacy: advanced proficiency with Microsoft Excel (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.

• Flexible working conditions via hybrid remote/in‑office work.
• Generous PTO package.
• 8 paid company holidays.
• Paid parental leave, bereavement, and jury duty.
• 401(k) with company match and 100 % vesting after 2 years.
• Medical insurance through BCBSM or BCN.
• Dental and vision coverage provided by BCBS.
• HSA and FSA available, including LPFSA and Dependent Care.
• Company‑paid life insurance and short‑term disability.
• Additional optional insurances.

$18.00 per hour.