Merchant Credit Review Analyst Role Summary The Merchant Credit Review Analyst is responsible for reviewing and validating all materials collected during in-person merchant verification visits to ensure accuracy, authenticity, and compliance with internal Standard Operating Procedures (SOPs).
The role plays a crucial part in the credit approval process by analyzing risk indicators, identifying documentation issues, and making data-driven recommendations on whether each merchant should be approved.
This position serves as a key quality control layer between field verification and credit disbursement.
Key Responsibilities 1.
Verification & Documentation Review
- Review all materials submitted from in-person merchant verifications (CAC certificates, trade permits, photos, utility bills, etc.) for completeness and authenticity.
- Cross-check documents against approved SOPs and internal credit standards.
- Identify missing, forged, or inconsistent documentation and provide recommendations for correction or escalation.
- Classify outcomes clearly (Approved / Rejected / Pending Clarification) with evidence-based justifications.
2.
Risk Assessment & Decision Support
Evaluate merchant applications based on internal risk criteria and documentation quality.Provide “Match” or “Not Match” recommendations using defined SOP frameworks.Identify potential fraud or risk patterns and escalate to the Risk or Compliance team.Support continuous improvement of risk assessment processes and tools.3.
SOP Adherence & Continuous Improvement
Maintain 100% compliance with all documentation and credit review SOPs.Participate in periodic SOP reviews and contribute to process optimization.Provide feedback and training support to FVOs and CVOs to improve submission quality.Report observed process or documentation gaps for audit follow-up.4.
Data Management & Reporting
Record all review outcomes accurately in existing CRM systems.Ensure timely completion of reviews within SLA targets.Conduct basic data analysis to track rejection patterns and SOP deviations.Contribute to regular reporting on review trends, fraud signals, and quality metrics.Qualifications & Skills
Bachelor’s Degree in Business, Finance, Risk Management, or a related field.Familiarity with local documentation and credentials related to process risks (e.g., CAC certificates, trade permits, tax IDs, utility bills).Strong data analysis skills and sensitivity, or at least a basic understanding of risk indicators and documentation-based risk patterns.Prior experience in merchant credit reviews or risk operations is a strong advantage.Excellent attention to detail and ability to follow SOPs with high accuracy.Proficiency in Microsoft Excel, Google Sheets, or CRM / data review tools.Strong communication skills and professional judgment in approval recommendations.Preferred Experience
3-5 years in credit review, merchant KYC, or risk management roles.Familiarity with fintech, SME lending, or banking operations.Core Competencies
SOP discipline & process complianceAnalytical thinking & data literacyRisk awareness & documentation integrityCommunication & collaborationAccuracy, accountability, and confidentiality Powered by JazzHR