Head of Credit Underwriting

Key Responsibilities

• Develop and implement a company wide risk management framework, including policies, procedures, and controls, tailored to construction finance and receivable financing products.
• Own and evolve Constrafor’s portfolio risk strategy across underwriting, monitoring, and loss mitigation, balancing risk appetite with growth objectives.
• Maintain strong working knowledge of company policies and procedures, identifying exceptions to policy and partnering with credit providers to implement practical, risk-aligned resolutions.
• Partner closely with Credit, Sales, Legal, Product, and Engineering to ensure risk is embedded into product design, customer onboarding, transaction structuring, and portfolio servicing.
• Build and monitor risk performance on a regular basis to ensure portfolio quality, liquidity protection, and loss outcomes align with Constrafor’s risk appetite.

Qualifications

• Bachelor's degree in finance, economics, or a related field (Master's degree preferred).
• Minimum of 8+ years of experience in alternative credit roles.
• Proven track record of building and scaling risk frameworks across credit and portfolio risk in Asset-Based Lending (ABL), Invoice Factoring, and Receivable Financing.
• Strong understanding of risk modeling, portfolio analytics, and stress testing methodologies.
• Ability to communicate effectively and continuously with internal teams and external stakeholders.
• Experience working in a startup or high-growth environment is strongly preferred.
• Ability to excel in a fast-paced, collaborative environment and lead through influence across functions.
• Strong analytical, strategic thinking, and problem-solving skills with sound judgment under uncertainty.
• Deep understanding of construction finance risk drivers is a plus.

Constrafor Benefits

• Competitive Salary: $190,000–$210,000 DOE
• Significant equity ownership within Constrafor.
• Hybrid office schedule out of our beautiful Hudson Yards office.
• Medical, dental & vision insurance coverage offered for you and your dependents.
• Generous PTO Plan.
• A collaborative and innovative work culture that values your input.
• Opportunity to make a significant impact in a growing tech company.