Director of Credit & Risk

Credit Strategy & Policy Development

• Design and formalize underwriting policies, approval frameworks, and risk thresholds
• Translate business objectives into clear, scalable credit decisioning logic
• Continuously evolve policy based on portfolio performance, loss trends, and growth targets

Portfolio Ownership & Performance Management

• Own end-to-end portfolio health, including approval rates, utilization, delinquency, and loss performance
• Build and maintain core reporting (cohort analysis, vintage tracking, unit economics)
• Identify emerging risk signals and take proactive action to protect portfolio performance

Lender & Capital Partner Management

• Serve as a primary interface with external lending and trade credit partners
• Lead recurring performance reviews, reporting, and data discussions
• Ensure compliance with relevant agreements and proactively manage covenant performance
• Translate internal portfolio data into clear, credible narratives for institutional stakeholders

Underwriting Execution & Complex Deal Structuring

• Personally underwrite and approve complex or high-value accounts
• Conduct deep analysis of customer financials, business models, and risk profiles
• Structure credit decisions that balance growth with disciplined risk management

Operational Buildout & Team Enablement

• Establish SOPs, QA processes, and decisioning frameworks to ensure consistency and scalability
• Provide guidance and oversight to junior underwriting and operations team members
• Implement processes that reduce manual work while improving decision quality

Cross-Functional Collaboration

• Partner with Product, Engineering, and Data teams to improve underwriting workflows and automation
• Collaborate with GTM and Operations on customer-level decisions and escalations
• Provide input into product and infrastructure decisions that impact credit performance

Required Skills & Qualifications

• 8–12+ years of experience in commercial credit, underwriting, or asset-backed lending
• Strong experience interacting with institutional lenders or capital providers
• Proven ability to design or evolve credit policies and underwriting frameworks
• Deep understanding of portfolio analytics, including loss drivers and performance segmentation
• Experience operating in a high-growth or evolving environment where structure is still being built
• Ability to operate as a hands-on individual contributor while influencing across teams

Compensation & Benefits

• Competitive compensation including base salary, bonus, and equity
• Employer-sponsored 401(k) with match
• Comprehensive medical, dental, and vision coverage
• Flexible time off and hybrid work environment