Merchant Credit Review Analyst at PalmPay

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.

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 compliance
• Analytical thinking & data literacy
• Risk awareness & documentation integrity
• Communication & collaboration
• Accuracy, accountability, and confidentiality