PatientFi

Compensation

Full Description

Merchant Risk Analyst Job Description/Responsibilities As a Merchant Risk Analyst at PatientFi, you will play a vital role in supporting our merchant network by analyzing transaction data, monitoring account performance, and assisting with risk and operational insights. You will work closely with internal Data/Risk teams, including Fraud, Underwriting, Lending Operations, and Credit Strategy, to promote merchant success while ensuring compliance and reducing financial risk. This is an excellent opportunity for an early-career fintech professional eager to develop their skills in data analysis and gain a strong understanding of merchant oversight and credit operations. Key Responsibilities Monitor merchant activity and transaction trends to identify unusual or high-risk behavior. Partner with the Underwriting team to review provider performance when adding new locations or when new enrollments may be tied to existing accounts. Support ongoing risk reviews of existing merchants, including financial performance and adherence to program guidelines. Investigate and escalate suspicious activity or fraud indicators to the appropriate teams (Fraud, Underwriting, Lending Operations). Maintain accurate documentation of findings, decisions, and merchant communications. Collaborate with cross-functional team, including Sales, Operations, Commercial, Finance, and Customer Support, to ensure a strong risk management framework. Support the management of PatientFi’s credit portal by monitoring for accuracy, escalating issues, and assisting with the installation of updates and new features. Desired Qualifications & Experience 2+ years of experience in fintech, banking, or a related financial services environment 1+ years of experience in merchant risk management Familiarity with merchant monitoring, including tracking account performance, analyzing trends, and applying risk frameworks, credit policies, or transaction monitoring systems. Exposure to payment platforms, lending operations, or SaaS portals for managing financial products Proficiency with spreadsheets and visualization tools (Excel, Google Sheets, Looker) Excellent written and verbal communication skills for collaborating with internal teams Self-motivated, detail-oriented, and adept at handling multiple initiatives in a dynamic, fast-moving environment. Why Join PatientFi? Be part of a high-growth, mission-driven company revolutionizing patient financing. Work with a dynamic, collaborative team that values innovation and execution. Opportunity to make a significant impact in a rapidly expanding market. Benefits: Medical, dental, and vision premiums covered at 80% for employees and dependents Unlimited PTO 401(k) Parental leave AD&D policy provided at no cost to employees (NOTE: At this time, PatientFi is unable to sponsor or take over sponsorship of an employment Visa.) PatientFi provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristics protected by federal, state or local law.