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
Wh...