Hybrid Credit Risk Analyst

at Helcim

• Job title: Credit Risk Analyst
• Job type: Full Time
• Experience level: Junior, Mid level
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Tech skills: SQL
• Location requirements: Hybrid, Calgary, Canada

About the role

• Credit Risk Analyst managing credit exposure associated with merchant onboarding and portfolio monitoring at Helcim. Balancing rigorous execution with continuous process improvement in a hybrid environment.

Responsibilities

• Perform end-to-end credit analysis for new and existing merchants by reviewing financial statements, credit reports, and corporate registrations.
• Execute routine batch reviews and rolling underwriting to actively monitor portfolio trends and mitigate exposure risks.
• Communicate directly with business owners to gather documentation, clarify financial positions, and explain credit decisions.
• Collaborate with the Trust & Safety team on daily risk operations to manage complex cases.
• Identify workflow bottlenecks and iterate on our credit guidelines to ensure adjudication remains efficient and scalable.
• Partner with Data, Product, and Engineering teams to provide feedback that drives improvements in our risk tools and decisioning systems.

Requirements

• 2+ years of experience in commercial credit analysis, underwriting, or portfolio management.
• Strong proficiency in analyzing financial statements and understanding business models across various industries.
• Solid foundation in commercial credit principles with a track record of making data-backed decisions.
• Technical aptitude with a familiarity or willingness to learn SQL to independently query data and build reports for analysis.
• Excellent verbal and written skills with the ability to distill complex financial concepts into simple explanations.
• High degree of organization and detail to manage batch reviews and deadlines accurately.
• Bonus points if you have: Knowledge or experience in the payments industry. We believe that if you have a strong background in credit, we can teach you the rest! A relevant certification such as CFA or FRM (or are actively pursuing one).

Benefits

• Health and dental benefits: Through our Group Benefits, you’ll get access to dental benefits, extended healthcare benefits for drugs, vision, paramedical coverage (e.g. massage therapists, dieticians, mental health professionals), counseling, health service navigation, life insurance, critical illness and disability insurance, and more. All of these benefits come into effect on Day 1 of employment!
• Dedicated Health Spending Account (“HSA”): An additional budget available for you to spend on health-related expenses (e.g. eyeglasses, therapy).
• Maternity and Parental Leave: To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for non-birthing parents.
• Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member, not just people leaders and executives receive equity (aka ownership in the company).
• Vacation Time: All team members get paid vacation time and a company break in December so they can recharge when they need it.
• Flexible work location: Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work, so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore, our core hours give team members flexibility to manage other parts of their lives.
• Training: Helcim will cover 50% of the applicable training costs of up to $500 per year.