Credit Analyst, Customer Advances

By leveraging modern technologies we are developing a new music ecosystem. Welcome to Utopia - Where Music Lives!
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Music is incredible. It can excite hundreds, and unite thousands. But as an industry, it has been slow, complicated, and disparate. While the tech world has moved into the future, the music industry continues to be shaped by inefficient systems of the past. At Utopia we believe there is a better way. Which is why today we are setting out to transform the entire industry; creating new revenue streams, consolidating the data and decluttering the admin. Unlocking the industry’s full potential by unifying it all in one truly holistic space. Some might call that a Utopia.

Funnily enough, so do we. Welcome to Utopia. Where music lives.


We are building a better world for music with innovative big data technology that tracks online music sources and translates them into meaningful music consumption reports for royalty collection. The solution we’re building does not threaten to usurp the role of industry incumbents - it is about bringing transparency in the industry and supporting efficient royalty collection.


You will receive, evaluate, approve, price, execute and explain clients’ requests for advances against royalty streams, with a view toward balancing revenue growth with credit losses. 


  • Primary contact with clients seeking and receiving advances
  • Receive clients’ and prospects’ applications for advances
  • Provide patient customer service for clients and applicants, many of whom will not be sophisticated in financial matters.
  • Research quality and reliability of clients’ royalty streams: payment sources, age, depth and longevity of underlying music catalog
  • Verify client identification, earnings and recoupment histories, existing liens, levies, garnishees via credit reports, UCC searches and payment sources
  • Project recoupments we are likely to receive
  • Recommend amounts and terms for client advances
  • Prepare necessary documents for clients and payment sources
  • Prepare related reports and maintain related files


    • Bachelor’s degree in finance or related field
    • Minimum 5 years analysing/recommending extensions of credit and developing spreadsheets and models in support of same
    • Ability to multitask and manage competing deadlines
    • Attentive to detail without losing sight of the big picture
    • Comfortable providing high-touch customer service to financially unsophisticated clients
    • For this role we are only looking for people based in US.


    • Great atmosphere - we live, love & breathe music & tech!
    • Working in an impact oriented team.
    • An experienced team to learn from, with experience in multiple startups and big tech companies.
    • Benefits depend on location.
    • Flexible remote policy so if you may prefer being on your own and working from home - we’re fine with that too.
    • We are supporting work permits for employees that have already moved here from countries outside the EU. However, we do not support relocation at the moment.


    We come from diverse backgrounds and we welcome everyone who identifies with the above to apply. Welcome to Utopia - Where Music Lives!

    We’re eager to meet you! :)

    Additional information

    • Remote status

      Flexible remote

    Or, know someone who would be a perfect fit? Let them know!


    Zählerweg 12
    6300 Zug Directions

    Perks & Benefits

    If you are not yet convinced by our awesome team and great atmosphere — here you have some extra frosting on the cake.

    • 🏋️‍♀️ Active work space

      At the Stockholm office we have a ping pong table and a gym in the basement and people are encouraged to use them both. We also have a generous wellness grant for anyone who prefer to do other things.

    • ☕️ Breakfast every morning

      Every morning we gather around the bar for breakfast. It is of course voluntary but the coffee is great.

    • 👾 A bunch of nerds

      We love what we do and we do what we love. So there will be a lot of interesting discussions going on about pretty much anything connected to music or tech and a lot of Star Wars references to acompany those.

    • 🏰 A little here and a little there

      We love to work together. Where exactly that is at the moment is less important.

    Work @ Utopia

    Do you like to work in teams with a lot of individual responsibility? Yes, we know it sound cliché but this is also how it actually is.

    Every morning after breakfast we gather in our teams to plan the day, assign tasks to kickstart the days. Agile, fast and inventive is how we like it. That also gives us room to pair up or hold a workshop if we need help in finding the best solution. 

    A helping hand and a good coffee might just be what we need to get things done.

    Already working at Utopia Music?

    Let’s recruit together and find your next colleague.


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