Credit & Risk Specialist - Revenue Ops

<div class="content-intro"><p><strong>About Pinterest:</strong></p> <p>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.</p> <p>Discover a career where you ignite innovation for millions, transform passion into growth opportunities, celebrate each other’s unique experiences and embrace the&nbsp;<a href="https://www.pinterestcareers.com/our-life/pinflex/">flexibility</a> to do your best work. Creating a career you love? It’s Possible.</p> <p>At Pinterest, AI isn't just a feature, it's a powerful partner that augments our creativity and amplifies our impact, and we’re looking for candidates who are excited to be a part of that. To get a complete picture of your experience and abilities, we’ll explore your foundational skills and how you collaborate with AI.</p> <p>Through our interview process, what matters most is that you can always explain your approach, showing us not just what you know, but how you think. You can read more about our AI interview philosophy and how we use AI in our recruiting process <a href="https://www.pinterestcareers.com/our-philosophy-on-ai-in-hiring/">here</a>.</p></div><p><strong>The Team</strong></p> <p>Pinterest’s <strong>Global Credit</strong> <strong>Risk</strong> team sits under the Revenue Risk team within <strong>Finance / Accounting</strong> and owns credit risk management, KYC, and AR reserves for our global advertiser base. We partner closely with <strong>Sales, Revenue Operations, and Revenue Accounting</strong> to enable growth while protecting Pinterest from credit losses.As a&nbsp;<strong>Credit Analyst</strong>, you’ll help define how we evaluate risk, set credit limits and payment terms, and keep our order‑to‑cash process running smoothly.</p> <p><strong>What You’ll Do:</strong></p> <ul> <li>Assess advertiser and agency <strong>creditworthiness</strong> using financial information, payment history, credit agency data, and internal risk tools.</li> <li>Set,maintain, and adjust <strong>credit limits and payment terms</strong> within defined approval matrices, and escalate higher‑risk or high‑value accounts to Credit leadership.</li> <li>Review and decision <strong>credit holds</strong> on insertion orders / PinOrders — approving within authority, conditioning approval (e.g., guarantees, deposits, shorter terms), or declining with clear rationale.</li> <li>Partner with <strong>Collections</strong> to resolve past‑due balances to help mitigate credit risk and reduce potential losses.</li> <li>Help prepare <strong>quarterly AR reserve analyses</strong> and support SOX‑relevant controls by maintaining accurate documentation and audit‑ready workpapers.</li> <li>Manage a queue of cases in <strong>Salesforce</strong> and other internal tools, meeting SLAs while keeping data (credit limits, terms, risk codes) complete and accurate.</li> <li>Collaborate with <strong>Sales, RevOps, and Accounting</strong> to explain credit decisions, discuss risk appetite, and align on strategies for strategic or complex accounts.</li> <li>Identify and help drive <strong>process and tooling improvements</strong> (for example, reducing unnecessary manual reviews, clarifying thresholds, or improving automation coverage).</li> <li>Leverage <strong>data analysis </strong>to uncover strategic insights, support decision-making, and identify opportunities to improve credit risk processes, policies, and outcomes.&nbsp;</li> </ul> <p>&nbsp;</p> <p><strong>What We’re Looking For:</strong></p> <ul> <li><strong>Experience:</strong></li> <ul> <li>2+ years of experience in <strong>B2B risk, credit, corporate lending, banking, or order‑to‑cash / AR</strong> roles, preferably in a tech, media, or advertising environment.</li> <li>Bachelor’s degree in a relevant field such as Business Administration , or equivalent experience.</li> </ul> <li><strong>Technical skills:</strong></li> <ul> <li>Working knowledge of <strong>credit analysis</strong> (financial statements, capital markets, payment behavior, qualitative risk factors).</li> <li>Experience with <strong>ERP</strong> and <strong>CRM</strong> or case‑management tools (e.g., Oracle, SAP, Salesforce) and strong comfort working in queues.</li> <li>Familiarity with <strong>order‑to‑cash</strong> processes (order booking, billing, collections, cash application, AR reserves).</li> </ul> <li><strong>Analytical &amp; operational skills:</strong></li> <ul> <li>Strong <strong>analytical judgment</strong> and attention to detail; comfortable making decisions within policy and knowing when to escalate.</li> <li>Ability to manage multiple requests at once, prioritize effectively, and consistently meet turnaround times.</li> <li><strong>SQL experience preferred</strong>; ability to query, analyze, and interpret data via tools like<strong> Hive and Snowflake</strong> to support credit, risk, and risk mitigation decision-making.</li> <li>Experience using <strong>AI tools preferred</strong> to improve productivity, support analysis, automate workflows, and enhance decision-making.</li> </ul> <li><strong>Communication &amp; collaboration:</strong></li> <ul> <li>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.</li> <li>Proven track record of building productive relationships with <strong>Clients,</strong> <strong>Sales, Operations, and Finance</strong> partners.</li> </ul> </ul> <p>&nbsp;</p> <p><strong>Relocation Statement:</strong></p> <ul> <li>This position is not eligible for relocation assistance. Visit our <a href="https://www.pinterestcareers.com/pinflex/">PinFlex</a> page to learn more about our working model</li> </ul> <p>&nbsp;</p> <p><strong>In-Office Requirement Statement:</strong></p> <ul> <li>We recognize that the ideal environment for work is situational and may differ across departments. What this looks like day-to-day can vary based on the needs of each organization or role.&nbsp;</li> <li>This role will need to be in the office for in-person collaboration as needed (1-2 times a year as an estimate) and therefore can be situated anywhere in the country. Due to team collaboration needs, this role is for candidates who can work Eastern or Central time zone hours, with Eastern time zone hours preferred.</li> </ul> <p>#LI-REMOTE</p><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p>At Pinterest we believe the workplace should be equitable, inclusive, and inspiring for every employee. In an effort to provide greater transparency, we are sharing the base salary range for this position. The position is also eligible for equity. Final salary is based on a number of factors including location, travel, relevant prior experience, or particular skills and expertise.</p> <p><em><span style="font-weight: 400;">Information regarding the culture at Pinterest and benefits available for this position can be found <a href="https://www.pinterestcareers.com/pinterest-life/" target="_blank">here</a>.</span></em></p></div><div class="title">US based applicants only</div><div class="pay-range"><span>$71,041</span><span class="divider">&mdash;</span><span>$146,260 USD</span></div></div></div><div class="content-conclusion"><p><strong>Our Commitment to Inclusion:</strong></p> <div>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