VP of Commercial Lending, Risk, and Underwriting

We are seeking a VP of Commercial Lending, Risk, and Underwriting to build and lead Nitra’s lending business. This is a senior, entrepreneurial role responsible for driving new lending revenue while building the credit and risk infrastructure required to scale responsibly.

Responsibilities

• Own and grow Nitra’s lending business, with accountability for originations, interest and fee revenue, gross profit, and portfolio performance.
• Oversee and expand FlexPay, Nitra Claims Factoring, and Equipment Lending, while developing new equipment leasing, working capital, and commercial real estate lending programs.
• Identify and launch new lending products and credit programs based on customer needs, market opportunities, and Nitra’s broader banking strategy.
• Partner with Sales, Marketing, and Customer Success to identify lending opportunities within Nitra’s existing customer base and create repeatable cross-sell and referral motions.
• Design credit strategies, underwriting frameworks, pricing, eligibility criteria, and risk parameters for new lending products.
• Build and scale underwriting, portfolio monitoring, collections, and fraud management processes, including automation and technology-enabled risk controls.
• Maintain portfolio performance and proactively manage delinquencies, defaults, concentration risk, and other emerging credit risks.
• Partner with Product, Engineering, and Finance to build scalable lending infrastructure and operational workflows.
• Help build the team, processes, and capital infrastructure required to scale Nitra’s lending business.

Requirements

• 10+ years of experience in commercial lending, commercial banking, private credit, specialty finance, equipment finance, healthcare finance, or a related credit environment.
• Proven experience building, launching, or scaling lending products or programs, ideally from the ground up.
• Strong commercial credit underwriting, structuring, pricing, and portfolio management experience.
• Experience across one or more relevant areas including healthcare lending, equipment finance, working capital, receivables, asset-backed lending, or specialty finance.
• A track record of turning credit expertise into new products, markets, partnerships, or revenue opportunities.
• Entrepreneurial mindset with the ability to operate independently, make decisions with imperfect information, and build in a high-growth environment.
• Strong commercial judgment and the ability to balance growth, risk, and portfolio economics.
• Excellent communication skills and the ability to work directly with senior leadership, customers, capital partners, and strategic partners.

Qualifications

• Strong analytical and problem-solving skills.
• Ability to work in a fast-paced, dynamic environment.
• Experience with credit risk management and underwriting processes.
• Knowledge of healthcare industry regulations and compliance requirements.
• Experience with financial modeling and forecasting.

Skills

• Commercial lending and credit risk management.
• Strategic thinking and decision-making.
• Collaboration and partnership-building.
• Financial analysis and reporting.
• Technology and data-driven approaches to credit underwriting.

Benefits

• Equity - Everyone at Nitra is an owner. When the company wins, you win.
• Competitive Salary - You’re the best of the best, and your salary will reflect your experience and reward your contributions to Nitra.
• Health Care - Your health comes first. We offer comprehensive health, vision, and dental insurance options.
• Retailment Benefits - Your financial stability matters to us so we provide a generous employer 401K match.