# Director of Credit & Risk

**Company:** [Order.co](https://hotfix.jobs/companies/orderco)
**Location:** New York, NY
**Role:** Finance & Accounting
**Salary:** $190k – $220k/yr
**Experience:** 8+ years
**Skills:** Commercial Credit, Underwriting, Asset-Backed Lending, Portfolio Analytics, Credit Policy Development, Risk Management, Institutional Lender Relations, Financial Analysis, Cohort Analysis, Vintage Tracking
**Posted:** 2026-04-07

> Owns underwriting strategy, portfolio performance, and lender relations for a B2B fintech credit offering. Designs credit policies, manages risk analytics, personally underwrites complex deals, and builds scalable credit operations in a high-growth environment.

## Job Description

## 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

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