Head of Credit

Head of Credit – Prime Financial Technologies

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About Prime

Prime Financial Technologies is a software company with a mission to accelerate small businesses. We harness advanced data science in credit decisioning to simplify and accelerate credit distribution to small and medium‑sized businesses. Operating at the cutting edge of Embedded Finance and Ecosystem Lending, our focus is on embedded lending, where sophisticated data analytics sharpen the accuracy of pre‑qualification and underwriting processes and deliver customized financial solutions to businesses.

Our integrations are designed for marketplace and SaaS platforms, ensuring a seamless transaction experience for merchants and new diversified revenue streams for platforms. Investors include Capital One and NEA.

Location

This role is available in the Bay Area or NYC.

Time Zone Requirements

The team operates in both East and West Coast time zones.

Travel Requirements

Regular onsite collaboration sessions occur several consecutive days per month at either the Bay Area or NYC office. Travel expenses for these meetups are covered by Prime.

How You’ll Make an Impact

As Head of Credit, you will shape our credit strategy and risk‑management framework. You will lead efforts to develop, implement, and oversee credit policies and procedures that balance risk and reward, ensuring portfolio health and sustainability. Your leadership will drive our mission to empower SMBs with accessible, responsible, and tailored financing solutions through a data‑forward approach to decision‑making.

Key Responsibilities

• Lead product‑team collaboration with Engineering and Data Science to innovate and implement credit products across multiple industry sectors that meet evolving SMB needs.

• Manage relationships with balance sheet partners, investors, regulatory bodies, and other stakeholders, communicating credit performance and risk‑management strategies effectively.

• Develop and refine the company’s credit risk‑management strategy and policies in alignment with business objectives.

• Lead the credit risk assessment framework, incorporating advanced data analytics and machine learning models to enhance decision‑making and risk prediction.

• Oversee the entire credit lifecycle, ensuring optimal performance and management of the loan portfolio, from origination through servicing to collections.

• Provide leadership and direction to the credit and risk‑management teams, fostering a culture of continuous improvement and data‑driven decision‑making.

• Stay abreast of industry trends, regulatory changes, and technological advancements that can impact our credit risk framework and lending products.

• Commit to integrating our core values of Win the Day, Get out of the Building, Embrace the Unknown, and Excellence as a Habit in all aspects of your daily responsibilities.

Qualifications

• 10+ years of experience in credit risk management, with a significant portion in the fintech sector and/or SMB lending.

• Proven track record of developing and managing credit policies and risk assessment models, preferably with exposure to data‑science‑driven environments.

• Strong leadership skills, with the ability to inspire and manage a high‑performing team in a fast‑paced startup environment.

• Deep understanding of regulatory compliance and reporting requirements relevant to fintech and lending industries.

• Exceptional analytical and problem‑solving skills, with a data‑forward thinking approach.

• Ability to thrive in a roll‑up‑your‑sleeves dynamic startup environment.

• Excellent communication and stakeholder‑management abilities.

• Bachelor’s or Master’s degree in Finance, Economics, Statistics, or a related field; advanced degrees or certifications in risk management are a plus.

What You’ll Love

• Competitive salary and equity grants

• Top‑tier medical, dental, and vision insurance

• Life insurance and disability benefits

• Personal development, technology, and ergonomic budgets

• 401(k) matching

• Unlimited PTO, work‑from‑home flexibility, and parental leave

• Transparent company culture and proactive communication via weekly All‑Hands, Lunch & Learns, and monthly Founder AMAs

• Senior team of experienced professionals highly motivated to solve tough problems and ship remarkable products

Seniority Level

• Executive

Employment Type

• Full‑time

Job Function

• Finance & Sales

Industries

• Software Development

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