Credit Operations

About This Role

Cash flow is the defining financial challenge for small businesses in America. Revenue is lumpy, expenses don't wait, and most SMB owners have never had a financial partner that truly understood their business. Affiniti is building that partner. As our credit analyst, you'll help us extend credit to the pharmacists, contractors, vet clinics, and shop owners that form the backbone of American communities but have been underserved or ignored by traditional institutions for decades.

This isn't a rubber‑stamp‑the‑scorecard role. You'll build and refine the models, policies, and frameworks that determine how we extend credit responsibly  decisions you make will directly determine whether a small business owner gets the runway they need to grow.

Location: NYC

Experience: 1+ YOE. There is no upper limit.

Total Compensation: $100K to $200K + Equity (Experience adjusted)

Benefits: Reimbursed Relocation;
Free Lunch and Dinner (In NYC);
Paid Technology Equipment Set Up;
Health, Dental, and Vision Insurance Fully Paid

• Build and continuously refine our core credit models and policies: approval/decline logic, credit limit assignment, APR pricing, collections, and everything in between
• Underwrite and assign credit lines across the full spectrum, from small business accounts to commercial customers
• Manage credit policy enforcement with end users directly: customer conversations, line increase decisions, and exception handling
• Evaluate and onboard new credit data vendors to sharpen our risk assessment capabilities and improve decisioning
• Partner with our capital markets team to model and report on scalable loan funding strategies, including revolving credit facilities, to optimize portfolio performance
• Analyze portfolio performance and build clear, actionable reporting for internal stakeholders
• Develop valuation forecasts that account for financing options, portfolio trends, and through-the-cycle credit performance

• Proven track record underwriting small business revolving credit cards (required); commercial credit, line of credit, and other credit experience is a strong plus
• Strong analytical and financial modeling chops, you're comfortable building forecasts and stress-testing assumptions
• Technical fluency in SQL and data tooling (Snowflake, Tableau, Data Grip, or equivalent)
• Deep knowledge of credit risk management and financial underwriting, including hands‑on experience building credit policies, models, and procedures from scratch
• Early‑stage startup experience is a plus
• A high ownership, do‑what‑it‑takes mentality, that doesn’t see a job as “just a job”

If you’re interested, email  and  with a brief description on why we should chat!