Credit Risk Lead at Shift4

<div class="content-intro"><h2 class="iCIMS_InfoMsg iCIMS_InfoField_Job"><span style="font-family: verdana, geneva, sans-serif; font-size: 10pt;">Overview</span></h2> <div class="iCIMS_InfoMsg iCIMS_InfoMsg_Job"> <div class="iCIMS_Expandable_Container"> <div class="iCIMS_Expandable_Text"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 10pt;"><strong>Shift4 (NYSE: FOUR)</strong>&nbsp;is boldly redefining commerce by simplifying complex payments ecosystems across the world.&nbsp;As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for&nbsp;hundreds of&nbsp;thousands of businesses in virtually&nbsp;every industry. For more information, visit&nbsp;<a href="http://www.shift4.com/" target="_blank">www.shift4.com</a>.</span></p> </div> </div> </div></div><p><strong><u>Job Summary </u></strong></p> <p>Shift4 Payments is looking for a <strong>Credit Risk Lead</strong> to join our Risk function team. This role sits at the center of how we evaluate, manage, and scale credit risk across our highest-risk verticals, including Airlines, Travel and Furniture, supporting a large and growing portfolio of high-exposure merchants.</p> <p>You'll review complex merchant applications and serve as an escalation point for nuanced or high-exposure deals. We’re looking for someone who can operate with strong risk underwriting judgment, set a high bar for decision quality, and bring structure to how we assess complex risk.</p> <p><strong><u>Job Responsibilities</u></strong></p> <ul> <li>Lead underwriting of complex, high-risk merchant applications across key verticals (e.g., Airlines, Travel, Furniture) ensuring decisions align with risk appetite and policy.</li> <li>Exercise credit approval authority within defined thresholds, and review analyst recommendations for consistency, quality, and sound judgment.</li> <li>Perform end-to-end credit analysis, including financial statement review, business model assessment, and evaluation of key credit risk drivers.</li> <li>Serve as the primary escalation point for nuanced or high-exposure deals, providing clear guidance and structuring recommendations.</li> <li>Guide and support analysts on complex cases, helping elevate underwriting quality and decision consistency across the team.</li> <li>Partner with Sales, Product, and Risk to structure commercially viable solutions while maintaining appropriate risk controls.</li> <li>Drive improvements to underwriting processes, pre-vetting, and portfolio review frameworks to enhance consistency and scalability.</li> <li>Monitor and assess portfolio performance across assigned verticals, identifying emerging risks and recommending appropriate actions.</li> <li>Maintain awareness of sponsor bank requirements, regulatory expectations, and emerging risk trends impacting underwriting and portfolio decisions.</li> </ul> <p><strong><u>Skills </u></strong></p> <ul> <li><strong>Underwriting Expertise:</strong> Strong experience underwriting complex or high-risk merchants, with the ability to assess financial performance, business models, and key credit risk drivers.</li> <li><strong>Decision-Making &amp; Judgment:</strong> Proven ability to make independent credit decisions, take ownership of outcomes, and apply sound judgment in high-stakes or ambiguous situations.</li> <li><strong>Industry Experience:</strong> Familiarity with high-risk verticals such as Travel, Airlines, or other delayed delivery / high-ticket industries, including an understanding of associated risk dynamics.</li> <li><strong>Analytical Capability:</strong> Advanced ability to interpret financial statements and credit data to form clear, well-supported risk assessments.</li> <li><strong>Cross-Functional Partnership:</strong> Experience working closely with Sales, Product, and Risk stakeholders to support commercially viable decisions while maintaining appropriate risk controls.</li> <li><strong>Coaching &amp; Influence:</strong> Ability to guide and support analysts, improving underwriting quality and consistency without formal people management responsibility.</li> <li><strong>Process &amp; Framework Development:</strong> Experience improving underwriting processes, policies, or risk frameworks in a scalable, high-volume environment.</li> </ul> <p><strong><u>Qualifications and Education:</u></strong></p> <ul> <li>Bachelor’s degree in Finance, Accounting, or related field preferred</li> <li>5+ years of experience in credit underwriting, risk management, or a related field (payments, fintech, or financial services preferred)</li> <li>Experience operating in environments with defined risk appetite, exposure limits, and credit decision frameworks</li> <li>Self-starter and who can handle multiple tasks in a fast-paced environment.</li> <li>Clear and concise communicator, able to articulate credit decisions and risk considerations to both technical and non-technical stakeholders.</li> </ul><div class="content-conclusion"><p><span style="font-family: verdana, geneva, sans-serif; font-size: 10pt;"><em>We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.</em></span></p> <hr> <p>&nbsp;</p></div>