---
title: 'Senior Credit Analyst at Parker Group Inc'
canonical: 'https://feeny.ai/job/senior-credit-analyst-parker-group-inc-new-york-ckmavtdkcdh6'
type: 'job'
last_seen: '2026-09-11'
---

# Senior Credit Analyst at Parker Group Inc

- **Company:** Parker Group Inc
- **Location:** New York, NY
- **Compensation:** $140k–$160k
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2025-08-28
- **Last confirmed live:** 2026-09-11
- **Apply:** https://jobs.ashbyhq.com/parker/505ab99a-d58a-4a1a-82c0-15fbb9717b7c

## Job description

About The Role: Parker’s mission is simple but ambitious: to increase the number of financially independent people. We believe the best way to achieve this is by giving independent business owners the financial tools they need to scale profitably. Our core product combines a virtual corporate card with dynamic spending limits and profitability-focused software tooling—empowering eCommerce merchants to grow faster while staying in control of their margins. We’ve raised over $180M in equity and debt from world-class investors, including Valar Ventures, Y Combinator, SVB, and notable founders such as Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound). We’re a Series B fintech scaling rapidly, with strong product-market fit and accelerating demand. As a Senior Credit Analyst at Parker, you will be responsible for conducting deep credit assessments of businesses applying for our credit products. You’ll combine financial analysis, pattern recognition, and judgment to make informed, high-stakes credit decisions. You’ll work closely with our Risk, Sales, and Product teams to ensure that we are approving the right customers with the right structures, and scaling our credit safely.

What You’ll Do:

- Evaluate business credit applications with exposure limits ranging from $50K to $5M+
- Analyze financial statements (e.g. income statement, balance sheet, cash flow), bank transaction data, and real-time business performance
- Assess qualitative factors including industry trends, business model risk, and founder/operator background
- Recommend credit decisions (approve, decline, or modify) with supporting rationale, structuring terms as needed (e.g. limits, tenor, collateral)
- Partner with Sales on customer discussions and structuring complex or higher-risk deals
- Monitor portfolio health and assist in reviews of at-risk accounts or limit increases
- Contribute to evolving Parker’s credit policies, frameworks, and decisioning models
- Serve as a mentor and escalation point for junior credit and risk analysts

What We’re Looking For:

- 5+ years of experience in credit analysis, preferably in SMB, middle market, or fintech lending
- Deep understanding of business credit fundamentals and financial analysis
- Strong judgment and a bias toward structured, data-informed decisions
- Experience working with credit systems, financial modeling, and risk scoring frameworks
- Ability to balance risk with commercial outcomes and growth priorities
- Clear communication skills — both in writing and in stakeholder discussions
- Comfortable in a fast-paced, dynamic startup environment

Nice to Have:

- Experience with transaction-level data credit analysis (e.g. Plaid, Open Banking)
- Background in fintech, payments, or embedded credit products
- Familiarity with Anti-Financial Crime / KYB controls

Why Parker:

- Opportunity to shape the foundation of Parker’s credit philosophy and infrastructure
- Competitive compensation, equity, and benefits
- High-ownership culture with direct impact on business growth and portfolio quality
- Work alongside top operators, builders, and risk leaders in the fintech space

## About Parker Group Inc

## Company Overview
- **One-liner**: Parker provides a financial platform for e-commerce brands and scaling businesses, offering revenue-based corporate credit, high-yield banking, and spend management tools.
- **Entity Type**: Private (Series B, Total Funding: $177M)
- **Headquarters**: New York, New York, United States
- **Founded**: 2020
- **Founders**: Not publicly available (key executives include Jimmy Sanchez, President; Carlos Whitt, CTO)

## Core Business
- **Primary Industry**: Financial Services – embedded finance for e-commerce and digital businesses
- **Target Customers**: B2B; e-commerce brands, DTC companies, agencies, and scaling businesses with high revenue velocity
- **Mission/Purpose**: "Make business finance work the way it should" – rewriting how businesses access credit, manage spend, and grow in the internet economy

## Products & Services
- **Parker Corporate Card (Flexible Terms)**: A card that underwrites on revenue performance (not credit scores) and offers per‑transaction rolling terms up to 90 days, allowing businesses to pay after revenue lands. (Service/Fintech)
- **High‑Yield Banking (Parker Business Account)**: FDIC‑insured accounts offering up to 3.0% APY, designed for high‑growth e‑commerce cash flows. (Service/Banking)
- **Intelligent Bill Pay**: Pay vendors who don’t accept cards, with the same rolling terms and rewards. (Service)
- **Predictive Analytics Dashboard**: Real‑time cash flow forecasting (up to 90 days), LTV/CAC tracking, and product profitability insights. (Software/SaaS)

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metrics**: Annual Revenue of ~$3M** (as of mid‑2026); Total Funding of $177M (including a $120M debt facility in March 2023 and a $20M Series B in November 2024 led by Valar Ventures)
- **Notable Investors/Partners**: Valar Ventures, Y Combinator (Pre‑Seed), and other undisclosed backers
- **Growth Signals**: 1,000+ businesses onboarded; revenue‑based underwriting model gaining traction in e‑commerce; 46 employees across 14 countries; offices in New York and San Francisco; active hiring for Frontend Engineer

## Competitive Advantages
- **Revenue‑Based Underwriting**: Evaluates actual business performance rather than credit scores or collateral, enabling higher limits (2× typical) and faster approvals for high‑growth online businesses.
- **Flexible Payment Terms**: 15‑ to 90‑day rolling terms on every transaction, synchronized with revenue cycles – a key moat for cash‑intensive DTC brands.
- **Integrated Banking + Credit**: Combines high‑yield deposits (3.0% APY) with credit in one platform, reducing the need to use multiple banks.
- **Built for the Internet Economy**: Purpose‑built for e‑commerce and agency workflows, including real‑time analytics and automated spend controls.

## Strategic Focus
- Scaling the platform to serve a broader set of digital businesses beyond e‑commerce (e.g., agencies, subscription brands).
- Deepening predictive analytics and automation to give CFOs real‑time control over cash flow.
- Expanding credit access through data‑driven underwriting and larger debt facilities.

## Why Work Here
- **Culture & Impact**: "High‑impact work, real ownership" – the team is small (46 people) and every role touches the product. Builders are encouraged to question assumptions and move with urgency.
- **Engineering & Product Focus**: Strong emphasis on first‑principles thinking; engineers ship product directly to customers; the tech stack is modern and customer‑facing.
- **Work Policy**: Offices in New York (HQ) and San Francisco; remote/hybrid policy not explicitly stated in available materials, but the team spans 14 countries, suggesting flexibility.
- **Perks & Environment**: Not formally listed, but the careers page emphasizes autonomy, building something meaningful, and solving a big problem for modern businesses.

## Sources
1. [getparker.com – About & Mission](https://www.getparker.com/untitled-20/about)
2. [getparker.com – Careers Page](https://www.getparker.com/untitled-20/careers)
3. [linkedin.com – Parker Company Profile](https://www.linkedin.com/company/getparker)
4. [getparker.com – Homepage & Product Features](https://www.getparker.com/)
5. [jobs.ashbyhq.com – Parker Job Postings](https://jobs.ashbyhq.com/parker)

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