Head of Credit & Underwriting

What you'll actually do

• Own line sizing end to end. Build dynamic limits that expand with payment behavior and cash flow, not static tiers.
• Own the application and onboarding pipeline. Work directly with engineering to cut time-to-decision.
• Build the Atlas Business underwriting engine. Entity-based decisioning from Secretary of State records, business credit bureaus, bank data, and industry risk.
• Manage the credit facility. Partner with the VP of Finance on warehouse operations, covenant compliance, draw optimization, and lender reporting.
• Own collections and loss mitigation. Build the early-warning systems, contact strategies, and recovery processes.
• Build loss forecasting and CECL models.
• Monitor the portfolio obsessively. Own the dashboards for risk visibility including concentration, delinquency aging, cohort and vintage performance.

What you bring

• 8+ years in credit risk, ideally starting at a major issuer (Amex, Chase, Capital One, Citi, Discover) and then moving into an operating role at a high-growth fintech.
• Write SQL and comfortable in Python or R. Built models, not just reviewed them.
• Understand charge card economics specifically, not just revolving credit.
• Worked with credit warehouse facilities: advance rates, eligibility, covenants, lender reporting.
• Underwritten high-net-worth or affluent segments.
• Built infrastructure at a startup. Comfortable with ambiguity, speed, and deciding with imperfect information.
• Bachelor's in a quantitative field (statistics, economics, math, engineering, CS) or equivalent depth of experience.