Senior Credit Analyst – Merchant Cash Advance (MCA) | US Market Underwriting

Hiring: Senior Credit Analyst – Merchant Cash Advance (MCA) | US Market Underwriting Remote | India Shift: 6:30 PM – 3:30 AM IST (US EST Hours) About the Company We are a fast-growing financial services and alternative lending firm focused on providing working capital solutions to small and medium-sized businesses across the US market. Our core client base includes merchants across industries such as retail, healthcare, logistics, hospitality, construction, e-commerce, and professional services. The team operates in a high-performance, fast-paced environment with a strong focus on underwriting quality, risk management, and scalable funding operations.

Role Overview We are looking for an experienced Credit Analyst with strong Merchant Cash Advance (MCA) underwriting expertise. This is a senior underwriting and risk-focused role responsible for evaluating merchant creditworthiness, structuring deals, identifying risk, and delivering clear investment recommendations across the full MCA underwriting cycle. Key Responsibilities: • Conduct end-to-end underwriting of merchant files including bank statement analysis, cash flow assessment, credit review, and business stability evaluation • Analyze risk indicators including NSFs, ADB trends, stacking, negative days, deposit behavior, seasonality, and repayment capacity • Approve, decline, or counter deals with clear underwriting rationale and risk-based decision making • Structure and price deals by determining advance amount, factor rate, and RTR using underwriting models and cash flow analysis • Ensure payment-to-revenue ratios remain within acceptable leverage thresholds • Identify fraud indicators including duplicate submissions, document manipulation, ownership inconsistencies, and suspicious cash flow activity • Review multiple months of business bank statements including MTD statements to extract core financial metrics and trends • Prepare concise underwriting summaries and investment recommendations for internal review • Underwrite up to 15 merchant files daily with documented credit decisions • Collaborate with internal stakeholders to resolve conditions, missing documents, and funding requirements • Participate in underwriting audits, policy discussions, and weekly risk/performance reporting Required Qualifications: • 2+ years of hands-on MCA underwriting / credit analysis experience — mandatory • Strong understanding of factor rates, RTR structures, cash flow dynamics, and portfolio risk • Experience reviewing and interpreting business bank statements and identifying repayment risk patterns • Strong Excel skills including financial modeling and underwriting calculators • Experience working US / EST shifts • Strong analytical judgment and ability to make credit decisions under pressure • Excellent written and verbal communication skills Preferred: • Experience with MCA funders or alternative lending platforms • Exposure to broader financial statement analysis including P&L and tax returns If you have strong MCA underwriting expertise and thrive in a fast-paced credit environment, we’d love to connect.