Credit & Risk Specialist - Revenue Ops

About Pinterest: 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.

Creating a career you love? It’s Possible. 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. 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 here .

The Team Pinterest’s Global Credit Risk team sits under the Revenue Risk team within Finance / Accounting and owns credit risk management, KYC, and AR reserves for our global advertiser base. As a Credit Analyst , you’ll help define how we evaluate risk, set credit limits and payment terms, and keep our order‑to‑cash process running smoothly.

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. , 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).

, Oracle, SAP, Salesforce) and strong comfort working in queues. Familiarity with order‑to‑cash processes (order booking, billing, collections, cash application, AR reserves). 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.