Senior Credit Analyst – MCA Underwriting | US Market | Remote (EST Shift)

We are hiring a Senior Credit Analyst (MCA Underwriting) for a fast-growing US alternative lending platform focused on merchant cash advance financing.

Remote (India) | EST Shift (6:30 PM – 3:30 AM IST) What You'll Do

End-to-end MCA underwriting (bank statements, cash flow, credit risk) Assess merchant risk: NSFs, ADB trends, stacking, deposits, repayment capacity Structure deals: advance amount, factor rate, RTR Approve / decline / counter deals with clear credit rationale Identify fraud signals and inconsistencies in financial data Underwrite 10–15 merchant files daily What We're Looking For 2+ years MCA underwriting / credit analysis experience (mandatory) Strong understanding of cash flow-based underwriting & US merchant risk Experience analyzing US business bank statements Strong Excel & credit decision-making skills Comfortable working EST shift What We Value Stable career history Strong han...