Head of Credit

About The Role

We're looking for a Head of Credit to own and scale our credit offerings. This person will be responsible for building the credit infrastructure, underwriting policies, partnerships, and team needed to grow originations into the hundreds of millions monthly while maintaining best‑in‑class loss rates.

This is not a back‑office risk role. You'll sit at the center of the business, working closely with growth, product, engineering, and leadership to make credit decisions that directly enable business growth.

You should be deeply engaged with customer needs, have strong judgment under uncertainty, and know what it takes to scale underwriting responsibly.

• Own end‑to‑end credit product development, including understanding customer needs, building underwriting models, finding financing, managing launches, and growing the loan book.
• Scale originations for corporate charge cards and other credit offerings to $100M+ in monthly originations while maintaining low default and delinquency rates.
• Design and implement automated credit decisioning systems in partnership with engineering team.
• Build reporting & monitoring systems to provide clear visibility into credit portfolio.
• Lead stress testing, scenario analysis, and reserve methodology calculations to ensure resilience across credit cycles.
• Manage relationships with capital partners, rating agencies, and other potential partners as needed.
• Build, mentor, and scale a high‑performing credit and risk team.

• 10+ years of experience in commercial lending in a credit, risk management, or underwriting role.
• Proven track record of scaling a commercial lending portfolio with low loss rates.
• Deep fluency in credit modeling, scoring, and alternative data; you've built or significantly improved underwriting models directly.
• Experience designing automated credit decisioning pipelines and working cross‑functionally with product and engineering.
• Strong understanding of funding structures and their tradeoffs (including warehouse facilities, forward flow arrangements, and securitizations).
• Ability to move fast without cutting corners; you know how to say yes responsibly and no with conviction.
• Excellent communicator who can translate complex risk concepts for internal and external stakeholders.
• Experience operating in a regulated environment and familiarity with applicable consumer & commercial lending regulations.
• Based in San Francisco or New York City and excited to work in‑person 5 days a week.

• Experience underwriting in SMB lending (term loans, lines of credit, revenue‑based financing, or merchant cash advances).
• Background at a top‑tier fintech (e.g., Brex, Ramp, Affi…).
• Experience managing multiple institutional capital partners and / or rating agency relationships.
• CFA, FRM, or advanced degree in a quantitative field.