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.