Financial Underwriting Lead

About the role

At Breeze, we're building the AI-powered infrastructure layer for global commerce, making it radically simpler for businesses to sell, get paid, and operate across markets. We go far beyond traditional payment processing. Breeze combines global payments, AI, stablecoins, and a Merchant of Record-like model to take on the complexity businesses typically manage themselves, including compliance, risk, fraud, chargebacks, reconciliation, and customer support. Our goal is simple: let businesses focus on building and selling great products while Breeze handles the complexity behind getting paid. Backed by Sequoia Capital, Multicoin Capital, and The Chainsmokers, Breeze is a successful, rapidly growing, and exceptionally well-capitalized company. We have the runway to think long term while remaining early enough that every person joining today can have a meaningful impact on what we build.

Responsibilities

• Underwrite new merchant applications: analyze financials, funding, runway/burn/unit economics; assess the business model's liability tail; make approve/decline/conditional decisions with a documented rationale
• Set reserves, holdbacks, volume caps and exposure limits
• Run portfolio re-reviews, adjust terms as merchant risk changes, maintain a watchlist/escalation path, track realized losses back into the framework
• Build and maintain underwriting policy, scorecard, and exposure reporting to a standard that satisfies a bank/auditor
• Use AI/data tooling to speed up file review and decisioning
• Partner with Sales, Treasury Ops, Risk/Compliance, and support bank/acquirer diligence

Requirements

• 2–3 years of experience in corporate debt analysis and underwriting — venture debt, growth lending, revenue-based finance, private credit, commercial banking, or a startup lending book
• Experience should include underwriting startups and privately held companies
• Comfortable forming a view from incomplete, unaudited, fast-moving financials if needed
• Demonstrated ownership of a credit decision: you have written the memo, taken a position, and defended it to a committee or a decision‑maker
• Fluency with financial statements, cash flow analysis, runway, burn and unit economics
• Advanced Excel (comfort building models and working with large transaction‑level datasets)
• Some degree of experience in AI enablement of finance and analysis workflows

Preferred Qualifications

• Payments/fintech/marketplace/MoR exposure; chargeback/refund/settlement risk
• Rolling reserves, holdbacks, chargeback ratios, card scheme monitoring
• Experience building/improving an underwriting policy or scorecard
• BigQuery or similar
• Background in digital goods, gaming, creator economy, subscription, or prediction markets

Benefits

• Health coverage: Breeze covers 100% of employee premiums on our competitive base plan and 75% of dependent premiums
• PTO: 21 days, plus applicable company holidays
• 401(k): Breeze covers all plan administration fees
• Equity: Meaningful ownership in the company you're helping build
• Equipment: A new MacBook Air and whatever else you need to do your best work
• Office & education allowance: An annual budget for your workspace, tools, and professional development
• Wellness: A monthly reimbursement to support your well‑being
• Annual global offsite: We bring the global Breeze team together every year. Previous destinations include Bali and Singapore, with Japan coming next

Pay

The annual base salary range for this role is $110,000‑$140,000 in New York. This range represents the minimum and maximum annual base salary that Breeze, in good faith, expects to