Head of Credit

About the role

We are seeking a Head of Credit to lead our credit offerings. This role involves owning and scaling our credit products, including developing end-to-end credit solutions, managing underwriting policies, and building out the necessary teams to achieve high monthly originations while maintaining low default and delinquency rates.

Responsibilities

• 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 the engineering team
• Build reporting & monitoring systems to provide clear visibility into the credit portfolio
• Manage relationships with capital partners, rating agencies, and other potential partners as needed
• Build, mentor, and scale a high-performing credit and risk team

Requirements

• 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)
• Able 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

Qualifications

• Based in San Francisco or New York City and excited to work in-person 5 days a week
• Nice to have: experience underwriting in SMB lending, background at a top-tier fintech, or comparable high-growth lender, experience managing multiple institutional capital partners and / or rating agency relationships, CFA, FRM, or advanced degree in a quantitative field