# Credit & Risk Specialist

**Company:** [Pinterest](https://hotfix.jobs/companies/pinterest)
**Location:** Remote
**Role:** Revenue Operations
**Salary:** $71k – $146k/yr
**Experience:** 2+ years
**Skills:** credit analysis, SQL, Salesforce, Oracle, SAP, hive, Snowflake, ERP, CRM, order-to-cash, ar reserves, financial statements, AI Tools
**Posted:** 2026-07-22

> Credit & Risk Specialist assessing advertiser creditworthiness, setting limits/terms, managing holds and collections, preparing AR reserves, and driving process improvements for Pinterest's global ad business. Requires 2+ years B2B credit/risk experience, bachelor's degree, SQL, and strong analytical/collaboration skills.

## Job Description

## What You’ll Do

- Assess advertiser and agency creditworthiness using financial information, payment history, credit agency data, and internal risk tools.
- Set, maintain, and adjust credit limits and payment terms within defined approval matrices, and escalate higher-risk or high-value accounts to Credit leadership.
- Review and decision credit holds on insertion orders / PinOrders — approving within authority, conditioning approval (e.g., guarantees, deposits, shorter terms), or declining with clear rationale.
- Partner with Collections to resolve past-due balances to help mitigate credit risk and reduce potential losses.
- Help prepare quarterly AR reserve analyses and support SOX-relevant controls by maintaining accurate documentation and audit-ready workpapers.
- Manage a queue of cases in Salesforce and other internal tools, meeting SLAs while keeping data (credit limits, terms, risk codes) complete and accurate.
- Collaborate with Sales, RevOps, and Accounting to explain credit decisions, discuss risk appetite, and align on strategies for strategic or complex accounts.
- Identify and help drive process and tooling improvements (for example, reducing unnecessary manual reviews, clarifying thresholds, or improving automation coverage).
- Leverage data analysis to uncover strategic insights, support decision-making, and identify opportunities to improve credit risk processes, policies, and outcomes.

## What We’re Looking For

### Experience
- 2+ years of experience in B2B risk, credit, corporate lending, banking, or order-to-cash / AR roles, preferably in a tech, media, or advertising environment.
- Bachelor’s degree in a relevant field such as Business Administration, or equivalent experience.

### Technical Skills
- Working knowledge of credit analysis (financial statements, capital markets, payment behavior, qualitative risk factors).
- Experience with ERP and CRM or case-management tools (e.g., Oracle, SAP, Salesforce) and strong comfort working in queues.
- Familiarity with order-to-cash processes (order booking, billing, collections, cash application, AR reserves).
- SQL experience preferred; ability to query, analyze, and interpret data via tools like Hive and Snowflake to support credit, risk, and risk mitigation decision-making.
- Experience using AI tools preferred to improve productivity, support analysis, automate workflows, and enhance decision-making.

### Analytical & Operational Skills
- Strong analytical judgment and attention to detail; comfortable making decisions within policy and knowing when to escalate.
- Ability to manage multiple requests at once, prioritize effectively, and consistently meet turnaround times.

### Communication & Collaboration
- Clear, concise verbal and written communication skills; able to explain credit decisions and policy in a way that is easy for non-finance partners to understand.
- Proven track record of building productive relationships with Clients, Sales, Operations, and Finance partners.

## Similar roles

- [Billing Operations Analyst](https://hotfix.jobs/jobs/6522cf8d-71e9-40ec-b344-24530ed319df) - Datadog - Denver, CO - $71k – $103k/yr
- [Payment Operations Analyst](https://hotfix.jobs/jobs/44867aa5-e68f-4f91-8501-db0aabae32bd) - Astra - Remote - $70k – $90k/yr
- [Associate, Sales Strategy](https://hotfix.jobs/jobs/86e4ae8b-1287-4fe8-8367-13b39bd057e8) - Vestwell - New York, NY - $70k – $80k/yr
- [GTM Systems Analyst](https://hotfix.jobs/jobs/fa72f1d7-4e61-4d7d-a86e-31e98f867fe6) - Ashby - Remote - $75k – $162k/yr
- [Sales Revenue Analyst - NYC](https://hotfix.jobs/jobs/5519faeb-6353-4161-8208-bd84798bcb89) - Datadog - Boston, MA - $75k – $110k/yr

**Apply:** https://hotfix.jobs/jobs/108d9839-a966-4b49-8f2e-7b3f13582d97
**Canonical:** https://hotfix.jobs/jobs/108d9839-a966-4b49-8f2e-7b3f13582d97