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About the Role

Pinterest's Global Credit Risk team, part of Finance/Accounting, manages credit risk, KYC, and AR reserves for global advertisers. This role partners with Sales, Revenue Operations, and Revenue Accounting to enable growth while mitigating credit losses. The Credit Analyst will define risk evaluation, set credit limits and payment terms, and ensure the order-to-cash process runs smoothly.

Responsibilities

• 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.
• Escalate higher-risk or high-value accounts to Credit leadership.
• Review and decision credit holds on insertion orders / PinOrders, approving within authority, conditioning approval, or declining with clear rationale.
• Partner with Collections to resolve past-due balances to help mitigate credit risk and reduce potential losses.
• Prepare quarterly AR reserve analyses.
• 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 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.
• Leverage data analysis to uncover strategic insights, support decision-making, and identify opportunities to improve credit risk processes, policies, and outcomes.

Requirements

• 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.
• 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).
• 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.
• 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.
• US based applicants only.

Skills

• SQL experience preferred
• Ability to query, analyze, and interpret data via tools like Hive and Snowflake
• Experience using AI tools preferred to improve productivity, support analysis, automate workflows, and enhance decision-making.

Location

• Situated anywhere in the country

Work Type

• Remote
• In-Office (1-2 times a year for collaboration)

Experience Level

• 2+ years of experience

Education Level

• Bachelor’s degree in Business Administration or equivalent experience

Salary/Compensations

• $71,041—$146,260 USD

Benefits

• Equity

About the Company

• Millions of people around the world come to our platform to find creative ideas, dream about new possibilities and plan for memories that will last a lifetime.
• At Pinterest, we’re on a mission to bring everyone the inspiration to create a life they love, and that starts with the people behind the product.
• Discover a career where you ignite innovation for millions, transform passion into growth opportunities, celebrate each other’s unique experiences and embrace the flexibility to do your best work.
• At Pinterest, AI isn't just a feature, it's a powerful partner that augments our creativity and amplifies our impact.
• Information regarding the culture at Pinterest and benefits available for this position can be found here.

Equal Opportunity

• Pinterest is an equal opportunity employer and makes employment decisions on the basis of merit.
• We want to have the best qualified people in every job.
• All qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, religion or religious creed, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, age, marital status, status as a protected veteran, physical or mental disability, medical condition, genetic information or characteristics (or those of a family member) or any other consideration made unlawful by applicable federal, state or local laws.
• We also consider qualified applicants regardless of criminal histories, consistent with legal requirements.
• If you require a medical or religious accommodation during the job application process, please complete this form for support.