Director of Credit & Risk

Role Overview

We are seeking a Director of Credit & Risk to own underwriting strategy, portfolio performance, and lender-facing execution for ’s credit offering.

This role reports into the Head of Payments & Credit and operates as the day-to-day owner of the credit function. You will be responsible for building the systems, policies, and operating rigor required to evolve our current underwriting approach into a more scalable, programmatic credit engine.

This is an individual contributor role with light team oversight (analyst/associate level), designed for a senior operator who can both set direction and personally drive outcomes across the credit lifecycle.

You will play a critical role in shaping how  deploys capital, manages risk, and builds credibility with institutional lenders.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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
• Opportunity to build and scale a critical function at a high‑growth fintech company

The anticipated annual salary range for this role is $190,000–$220,000
. Actual compensation and title will be commensurate with experience, qualifications, knowledge, and skills.