General information

Office (s)
Austin, TX, Dublin, CA, Minneapolis, MN
Date Published
Thursday, November 9, 2023
United States
Job ID
McCall, Christine
Salary Range
40,000 - 100,000

Description & Requirements

About Us:

We’re here for the hard-working businesses that keep the world turning. They’re the companies who make, deliver, and sell the things we all need. They trust Epicor to help them do business better. Their industries are our industries, and we understand them better than anyone. By working hand-in-hand with our customers, we get to know their business almost as well as they do. Our innovative solution sets are carefully curated to fit their needs and built to respond flexibly to their fast-changing reality. We accelerate every customer’s ambitions, whether to grow and transform, or simply become more productive and effective. That’s what makes us the essential partners for the world’s most essential businesses.

About the Role:

The Senior Credit Analyst will be responsible for managing various credit and risk functions related to Credit and Debit Card Payment Processing for Epicor Payment Exchange (EPX).  The credit/risk management for EPX encompasses four functions including underwriting, merchant periodic reviews, and risk monitoring (chargebacks, fraud, monetary and ACH rejects). Collectively, these functions are designed to protect Epicor and its customers from financial loss and fraud while maximizing and enhancing customer sales.   In this role, you will assist the Senior Credit & Risk Manager with the following: periodic credit/risk review of existing customers to ensure compliance with the credit policy, underwriting of new merchant accounts, and other risk monitoring functions. You will utilize comprehensive risk strategies and analytics to identify and mitigate risk exposure to fraud and losses. Other duties include monitoring daily risk management reports, reaching out to merchants as necessary and ad-hoc projects. 

What You’ll Do:

• Analyze business financial statements, industry outlook, and credit data for businesses according to merchant services credit underwriting standards

• Periodic portfolio assessment to assure approved accounts that represent the highest risk as still creditworthy

• Underwriting of new merchant accounts according to established policy

• Be a subject matter expert (SME) on credit and credit policy to assist in sales inquiries.

• Daily monitoring of transaction activity to identify risk trends and fraud schemes

• Processing of bank identified transaction exceptions to validate and verify transaction qualifications

• Conduct investigations on transactions and batches to understand the risk of loss and take actions accordingly

What You Need to Succeed:

• 3-5 Years of risk management and business underwriting experience with acquiring card processing.

• 4 Year/Bachelor's degree or equivalent work experience (4+ years of experience in lieu of Bachelor's) 

• Merchant processing credit approval and risk management experience 

 Additional Skills That Could Set You Apart:

• Experience within a software company is a plus

• Understanding of card brand regulations and requirements, including chargeback rules.

The Finance Team 

You’ll find a strong sense of community, collaboration, and cross-functional partnering within the Epicor Finance and Accounting organization. With Epicor being an eager company, you will play a key role in supporting mergers and acquisitions and strategic financial activity globally. We are rapidly expanding and looking for exceptional talent to join our team in all of our Epicor offices.

About Epicor 

At Epicor we know that success comes from working together. Everyone has a role to play, and it’s the essential partnerships across our company that are crucial to our customers’ success and our growth as a business. 

We’re truly a team. Working in close partnership, we bring wide-ranging talents together in powerful collaborations. We think innovatively, share our knowledge generously, and constantly learn from our colleagues. We’re proud of the success we achieve every day, but we never stop challenging ourselves and encouraging each other. Together, we go further and imagine an even brighter future. 

Whatever your career journey, we’ll help you find the right path. Through our training courses, mentorship, and continuous support, you’ll get everything you need to thrive. At Epicor, your success is our success. And that success really matters, because we’re the essential partners for the world’s most essential businesses—the hardworking companies who make, move, and sell the things the world needs.

Equal Opportunities and Accommodations Statement 

Epicor is committed to creating a workplace and global community where inclusion is valued; where you bring the whole and real you—that’s who we’re interested in. If you have interest in this or any role- but your experience doesn’t match every qualification of the job description, that’s okay- consider applying regardless. 

We are an equal-opportunity employer.