Senior Credit Analyst – MCA Underwriting | US Merchant Cash Advance | Remote (EST Shift)

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 hands-on underwriting ownership
• Long-term mindset

Apply if you are a strong MCA credit professional ready for high-impact underwriting ownership.