Green Card Credit Risk Analyst Jobs
Credit Risk Analyst roles qualify for EB-2 and EB-3 green card sponsorship through the PERM labor certification process, which requires your employer to document that no qualified U.S. worker is available before filing your I-140 immigrant petition. Financial services firms and banks regularly sponsor these positions, making permanent residency a realistic path for foreign professionals with quantitative finance backgrounds.
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One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic — providing small businesses access to the capital they need, when they need it, leveraging the data inside QuickBooks for faster and better decisioning. That’s how we power prosperity.
QuickBooks Capital is a nimble and high-priority fintech company within Intuit, reinventing small business financing. Our Revenue Based Financing (RBF) product gives small businesses flexible access to capital, with repayments tied to their revenue — making financing more accessible and aligned with how businesses operate. We are looking for top talent who love new challenges, cracking tough problems, and working cross-functionally.
As a Staff Credit Analyst on the QB Capital Credit Risk team, you will be a key driver of our Revenue Based Financing credit strategy. You will own credit policy design, portfolio monitoring, and risk analytics end-to-end — partnering closely with data science, engineering, product, finance, and compliance teams to grow a healthy and high-performing RBF portfolio.
This role will focus on three areas:
- Drive credit risk strategy for the Revenue Based Financing product, from acquisition through collections
- Ensure our RBF portfolio performs within risk tolerance while supporting aggressive growth targets
- Partner with data science and engineering teams to leverage the latest models and data to serve QuickBooks customers’ financing needs.
Responsibilities
Credit Policy & Underwriting Strategy
- Design, implement, and monitor credit policies for Revenue Based Financing, including approval rates, financing amounts, factor rates, and repayment terms based on revenue-based risk signals
- Develop and refine underwriting criteria leveraging QuickBooks transaction data, cash flow patterns, revenue trends, and third-party bureau data
- Build, test, and deploy A/B experiments to evaluate new credit strategies and quantify their impact on approval rates, risk-adjusted returns, and portfolio performance
- Partner with data scientists to develop and validate credit models, scorecards, and revenue-based risk features for underwriting
Portfolio Monitoring & Analytics
- Monitor key RBF portfolio risk indicators including delinquency, remittance rates, early payment defaults, charge-offs, and recoveries
- Perform deep-dive portfolio analyses to understand drivers of performance across vintages, channels, industries, and revenue tiers
- Summarize and communicate the impact of changes in credit quality, portfolio composition, and macroeconomic conditions to senior leadership
- Build and maintain dashboards and reporting to ensure stakeholders have timely visibility into portfolio health and credit KPIs
Cross-Functional Collaboration & Implementation
- Collaborate with legal, compliance, bank partnership, and investor teams to ensure all credit policies are appropriately approved and compliant
- Partner with data engineers to build data pipelines, deploy policies, and implement quality controls (QC) to ensure correct execution in production
- Work with the product team to design product procedures and customer experiences that manage risk exposure while optimizing conversion and retention
- Drive stakeholder alignment by translating complex risk analyses into clear, actionable recommendations for non-technical audiences
Qualifications
Education & Experience
- MS/PhD in a quantitative field (Statistics, Mathematics, Economics, Finance, Engineering, Computer Science) or Bachelor’s degree in related fields with 7+ years of equivalent experience
- 5+ years of experience in credit risk, analytics, or a related role within lending, fintech, or financial services
- Experience with Revenue Based Financing, merchant cash advance, or other fintech lending products strongly preferred
- Prior experience at a bank, fintech, or alternative lending platform is a strong plus
Technical Skills
- Strong proficiency in Python and SQL for data analysis, automation, and policy testing
- Experience working with large-scale transactional data and cloud-based data environments (e.g., AWS S3, Snowflake, BigQuery, Spark)
- Proficiency in building dashboards and visualizations using Tableau or equivalent tools
Domain Knowledge
- Deep knowledge of credit risk concepts including underwriting, credit bureau data, scorecard modeling, pricing, loss forecasting, and collections
- Understanding of revenue-based repayment dynamics, cash flow underwriting, and SMB financial health indicators
- Familiarity with regulatory and compliance requirements in consumer and small business lending
Leadership & Communication
- Proven ability to lead complex analytical projects end-to-end with minimal direction
- Strong business acumen — able to understand problems from multiple stakeholder perspectives and connect analytical outputs to business outcomes
- Excellent written and verbal communication skills; comfortable presenting findings to senior leadership and cross-functional partners
- Meticulous attention to detail and high standards for the quality of your work
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:
Overview
One out of every two small businesses fails within their first five years, most often due to running out of cash. QuickBooks Capital is on a mission to make a dent in that statistic — providing small businesses access to the capital they need, when they need it, leveraging the data inside QuickBooks for faster and better decisioning. That’s how we power prosperity.
QuickBooks Capital is a nimble and high-priority fintech company within Intuit, reinventing small business financing. Our Revenue Based Financing (RBF) product gives small businesses flexible access to capital, with repayments tied to their revenue — making financing more accessible and aligned with how businesses operate. We are looking for top talent who love new challenges, cracking tough problems, and working cross-functionally.
As a Staff Credit Analyst on the QB Capital Credit Risk team, you will be a key driver of our Revenue Based Financing credit strategy. You will own credit policy design, portfolio monitoring, and risk analytics end-to-end — partnering closely with data science, engineering, product, finance, and compliance teams to grow a healthy and high-performing RBF portfolio.
This role will focus on three areas:
- Drive credit risk strategy for the Revenue Based Financing product, from acquisition through collections
- Ensure our RBF portfolio performs within risk tolerance while supporting aggressive growth targets
- Partner with data science and engineering teams to leverage the latest models and data to serve QuickBooks customers’ financing needs.
Responsibilities
Credit Policy & Underwriting Strategy
- Design, implement, and monitor credit policies for Revenue Based Financing, including approval rates, financing amounts, factor rates, and repayment terms based on revenue-based risk signals
- Develop and refine underwriting criteria leveraging QuickBooks transaction data, cash flow patterns, revenue trends, and third-party bureau data
- Build, test, and deploy A/B experiments to evaluate new credit strategies and quantify their impact on approval rates, risk-adjusted returns, and portfolio performance
- Partner with data scientists to develop and validate credit models, scorecards, and revenue-based risk features for underwriting
Portfolio Monitoring & Analytics
- Monitor key RBF portfolio risk indicators including delinquency, remittance rates, early payment defaults, charge-offs, and recoveries
- Perform deep-dive portfolio analyses to understand drivers of performance across vintages, channels, industries, and revenue tiers
- Summarize and communicate the impact of changes in credit quality, portfolio composition, and macroeconomic conditions to senior leadership
- Build and maintain dashboards and reporting to ensure stakeholders have timely visibility into portfolio health and credit KPIs
Cross-Functional Collaboration & Implementation
- Collaborate with legal, compliance, bank partnership, and investor teams to ensure all credit policies are appropriately approved and compliant
- Partner with data engineers to build data pipelines, deploy policies, and implement quality controls (QC) to ensure correct execution in production
- Work with the product team to design product procedures and customer experiences that manage risk exposure while optimizing conversion and retention
- Drive stakeholder alignment by translating complex risk analyses into clear, actionable recommendations for non-technical audiences
Qualifications
Education & Experience
- MS/PhD in a quantitative field (Statistics, Mathematics, Economics, Finance, Engineering, Computer Science) or Bachelor’s degree in related fields with 7+ years of equivalent experience
- 5+ years of experience in credit risk, analytics, or a related role within lending, fintech, or financial services
- Experience with Revenue Based Financing, merchant cash advance, or other fintech lending products strongly preferred
- Prior experience at a bank, fintech, or alternative lending platform is a strong plus
Technical Skills
- Strong proficiency in Python and SQL for data analysis, automation, and policy testing
- Experience working with large-scale transactional data and cloud-based data environments (e.g., AWS S3, Snowflake, BigQuery, Spark)
- Proficiency in building dashboards and visualizations using Tableau or equivalent tools
Domain Knowledge
- Deep knowledge of credit risk concepts including underwriting, credit bureau data, scorecard modeling, pricing, loss forecasting, and collections
- Understanding of revenue-based repayment dynamics, cash flow underwriting, and SMB financial health indicators
- Familiarity with regulatory and compliance requirements in consumer and small business lending
Leadership & Communication
- Proven ability to lead complex analytical projects end-to-end with minimal direction
- Strong business acumen — able to understand problems from multiple stakeholder perspectives and connect analytical outputs to business outcomes
- Excellent written and verbal communication skills; comfortable presenting findings to senior leadership and cross-functional partners
- Meticulous attention to detail and high standards for the quality of your work
Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is:
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Get Access To All JobsTips for Finding Green Card Sponsorship as a Credit Risk Analyst
Match your credentials to PERM job requirements
PERM requires your actual qualifications to match the certified job description exactly. If your employer lists a master's degree in finance or economics, verify your foreign degree equivalency through a credential evaluation service before the labor certification is filed.
Target financial institutions with PERM filing history
Banks, credit unions, and insurance firms that have filed PERM applications for quantitative analyst or risk roles are far more likely to sponsor again. Use the OFLC Wage Search to identify employers who have certified similar positions in your metro area.
Search verified sponsoring employers on Migrate Mate
Filter Credit Risk Analyst openings by green card sponsorship status on Migrate Mate to reach employers already set up to run PERM. This cuts out the negotiation of convincing a new employer to start the process from scratch.
Understand how EB-2 versus EB-3 affects your timeline
If your role requires only a bachelor's degree, most employers will file under EB-3. Candidates with a master's or substantial progressive experience may qualify under EB-2, which can shorten priority date waits for certain countries of birth.
Request PERM commitment before accepting an offer
Negotiate the employer's intent to sponsor PERM during the offer stage, not after you've started. Ask whether their legal team has run PERM for analytical roles before, since firms without that history often underestimate the prevailing wage and recruitment documentation requirements.
Verify the prevailing wage tier before PERM is filed
DOL assigns your position a wage level from I through IV using O*NET job zone data and regional salary surveys. A Level I wage for a senior risk role can trigger a supervised recruitment failure, so confirm the wage determination matches your actual duties before USCIS receives the I-140.
Green Card Credit Risk Analyst: Frequently Asked Questions
Do Credit Risk Analyst jobs commonly qualify for EB-2 or EB-3 green card sponsorship?
Yes. Credit Risk Analyst positions routinely qualify under both EB-2 and EB-3 depending on how the employer structures the job requirements. Roles requiring a master's degree in finance, economics, statistics, or a related quantitative field often support EB-2. Positions requiring a bachelor's degree with relevant experience typically fall under EB-3. The PERM labor certification process applies in either case.
How does green card sponsorship through PERM differ from H-1B sponsorship for this role?
H-1B visa is temporary, capped at 85,000 per year, and subject to lottery selection. PERM-based green card sponsorship is permanent, has no annual cap at the EB-3 level for most countries, and leads directly to lawful permanent residency. The tradeoff is timeline: PERM labor certification and I-140 adjudication typically take one to three years before you reach adjustment of status, depending on your country of birth and visa bulletin priority dates.
What documentation should I prepare before a Credit Risk Analyst employer starts PERM?
Gather a foreign degree equivalency evaluation from a NACES-member credential evaluator, especially if your degree is not from a U.S. institution. Compile transcripts, employment verification letters that confirm progressive experience in credit analysis or risk modeling, and any professional certifications such as FRM or CFA. DOL requires that your qualifications match the certified job description precisely, so inconsistencies between your resume and the PERM application can cause denials.
How do I find Credit Risk Analyst employers who already sponsor green cards?
Migrate Mate lets you filter Credit Risk Analyst openings specifically by green card sponsorship history, so you're only seeing employers who have already run PERM for similar roles. This is more reliable than asking general-purpose job boards to self-report sponsorship willingness, since those signals are inconsistent and often outdated.
Can my employer file my green card petition while I'm on H-1B status?
Yes, and many employers in financial services start the PERM process while you're still on H-1B. Filing PERM and an approved I-140 also protects your H-1B extensions beyond the standard six-year cap under AC21 portability rules. Once your priority date becomes current on the visa bulletin, you file I-485 for adjustment of status without needing to leave the U.S.