Analyst, Credit Risk Analytics

What We Need Corpay is seeking an Analyst, Credit Risk Analytics to join the Account Management team within US Risk. This team focuses on optimizing the performance of our existing customer portfolio (~100,000+ accounts) by identifying growth opportunities, managing risk, and improving customer retention. In this technical role, you will work with large and complex datasets to generate insights that drive key business decisions—such as credit line increases, risk mitigation strategies, and customer engagement initiatives. Your work will directly impact Corpay’s credit exposure across thousands of customers while contributing to continuous optimization of portfolio profitability (P&L). This role emphasizes practical, high-impact analysis and fast iteration, with a focus on delivering meaningful business outcomes. You will work with large transactional and performance datasets using SQL, Python, and/or R to build analyses and decision frameworks that support strategy development. This position is based in Atlanta (Buckhead office) with an in-office expectation of approximately 4 days per week. How We Work As a Credit Analyst you will be expected to work in an office environment. CORPAY will set you up for success by providing: Assigned workspace in Buckhead, Atlanta GA office Company-issued equipment + remote access Formal, hands-on training Role Responsibilities The responsibilities of the role will include: Portfolio Performance Analysis Analyzing customer behavior (spend, transactions, delinquency, write-offs) to identify trends, risks, and opportunities. Translate findings into actionable insights that inform portfolio strategies and optimize risk-reward tradeoffs. Reporting & Dashboard Development Managing and maintaining large-scale datasets in SQL and support portfolio reporting through dashboards and presentations. Deliver regular, insight-driven reporting on key metrics such as spend, utilization, delinquency, and losses. Strategy Impact Analysis Monitoring and evaluating the effectiveness of account management strategies using A/B testing, sensitivity analysis, and impact sizing. Track post-implementation performance (e.g., spend, retention, losses) and communicate key outcomes and recommendations. Account Management Strategy Support Supporting the design and execution of account management strategies (e.g., credit line increases, risk tightening) aimed at improving portfolio performance, mitigating risk, and driving revenue growth. Qualifications & Skills Bachelor’s degree in a quantitative field 1–3 years of experience with SQL (academic or professional) 1–3 years of experience with Python or R (including ability to generate, read, and validate code) Proficiency in Excel and PowerPoint Experience with data visualization tools (e.g., Tableau or similar) Strong communication skills with the ability to present insights clearly and effectively Preferred Experience working with large datasets Exposure to financial services, credit risk, or lending analytics Experience with tools such as Alteryx Master’s degree in a quantitative field Benefits & Perks Medical, Dental & Vision benefits available the 1st month after hire Automatic enrollment into our 401k plan (subject to eligibility requirements) Virtual fitness classes offered company-wide Robust PTO offerings including major holidays, vacation, sick, personal, & volunteer time Employee discounts with major providers (i.e. wireless, gym, car rental, etc.) Philanthropic support with both local and national organizations Fun culture with company-wide contests and prizes Our Company & Purpose CORPAY is a global leader in business payments, laser focused on developing smarter ways for businesses to pay their expenses. Since 2000, CORPAY has developed innovative digital solutions that help businesses better track, manage, and pay their expenses. Today, CORPAY is an S&P 500 company with hundreds of thousands of customers using our products in over 100 countries. Companies of all sizes, industries and geographies rely on our product portfolio to manage spending more quickly, efficiently and securely than ever before. We embrace a culture grounded in five key values: integrity, collaboration, innovation, execution and people. These values offer you the opportunity to ‘thrive & grow’ through career development, volunteer, community, and wellness initiatives. This allows you to create a balance between professional goals and personal achievement. CORPAY is also committed to building and nurturing a culture o