Role: Head of Underwriting / Credit Risk Manager

Location: New York City (Hybrid)

Compensation: $180,000 - 200,000 base + bonus + equity

About the Company:
Our client is a well-funded, high-growth fintech platform backed by leading venture capital and industry operators. The business is building modern financial infrastructure for the next generation of companies by delivering dynamic credit, payments, and treasury tools designed for fast-moving, high-growth businesses.

Having recently completed a substantial fundraise, the firm is scaling quickly and investing heavily in its credit and risk function to support portfolio growth. The leadership team includes experienced fintech builders and traditional financial institution veterans.

About the Role:
The Credit Risk Manager, which will serve as the Head of Underwriting, is a pivotal hire within the firm’s Credit & Risk team. This individual will lead underwriting operations, design scalable policies, and shape the future of credit decisioning for the business.

The successful candidate will combine strong analytical capability with a pragmatic approach to risk and growth. You will be responsible for leading a team, refining credit processes, making data-driven decisions when assessing high-growth potential clients, and collaborating cross-functionally with Product, Risk, Data, and Commercial stakeholders.

Key Responsibilities:

• Lead and mentor a team of credit analysts across the firm’s corporate card and lending products.
• Develop, refine, and implement credit policies, approval frameworks, and risk segmentation strategies.
• Review and analyze financial statements, bank data, and alternative data to assess creditworthiness.
• Partner with Data and Product to enhance automation and scoring models.
• Provide timely and informed support to Sales and Customer Success teams on applicant assessments.
• Monitor portfolio performance, identify trends, and adapt underwriting approaches accordingly.
• Help to scale and professionalize the underwriting function as the business grows.

• 10+ years of experience in underwriting, credit risk, or lending; ideally with SMBs, eCommerce, or card-based products.
• Background in fintech, payments or embedded credit products.
• Strong analytical mindset with experience evaluating financial statements and cash flow.
• Familiarity with underwriting automation tools and workflows.
• Excellent communication skills and a collaborative, low-ego approach.
• Experience in high-growth startups or fintech environments

• Familiarity with transaction-level data underwriting (e.g., via open banking APIs).
• Exposure to structured finance or capital markets.
• Experience with modern fintech tooling (e.g., Plaid, Alloy, Ocrolus).

• Opportunity to build and shape the underwriting infrastructure of a fast-growing fintech.
• Work alongside a high-caliber leadership team committed to transparency and ownership.
• Competitive compensation, performance bonus, and meaningful equity package.
• Direct impact on scaling a platform that supports the financial independence of modern businesses.