Head of Credit

About the role

We are seeking a Head of Credit to lead our credit offerings. This individual will be responsible for developing and scaling our credit products, managing underwriting policies, and building out the necessary teams to achieve significant 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