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About the Role

This role leads the organization responsible for ongoing underwriting and portfolio management of existing customers. You will oversee a multi-layered team to manage portfolio performance, credit decisions, and customer risk while driving the transformation of credit operations through AI-native automation.

Responsibilities

• Lead the team responsible for ongoing underwriting, portfolio management, and credit risk across the existing customer portfolio
• Develop and execute portfolio strategies that balance growth, customer experience, and performance
• Partner cross-functionally with Sales, Customer Success, Product, Operations, Analytics, and Credit Policy
• Lead, coach, and develop a high-performing organization of managers and credit professionals
• Build trusted relationships with customer finance leaders and CFOs to evaluate complex credit situations
• Drive operational excellence by improving underwriting workflows and monitoring processes
• Champion the adoption of AI and automation to enhance decision quality and efficiency
• Shape the evolution of commercial credit capabilities as the company expands into new segments
• Lead high-stakes conversations with client CFO teams, partners, regulators, and auditors

Requirements

• 10+ years of experience in commercial credit risk, underwriting, portfolio management, or commercial banking
• Deep expertise in evaluating business financial statements, cash flow, balance sheets, and commercial credit exposure
• Experience managing existing commercial customer portfolios, including monitoring and credit line management
• Strong understanding of commercial credit products, corporate liability underwriting, and business credit decision-making
• Proven experience leading and developing high-performing teams in a fast-paced financial services or fintech environment
• Excellent communication and executive presence with the ability to influence senior stakeholders
• Demonstrated success building strong cross-functional partnerships
• Passion for improving operational efficiency through technology and AI-enabled workflows
• Experience supporting commercial cards, B2B payments, banking, or lending products
• Experience serving commercial, middle-market, or enterprise customers at a leading financial institution or high-growth fintech

Skills

• Commercial credit risk management
• Financial statement analysis
• Portfolio management
• Corporate liability underwriting
• Team leadership and development
• Cross-functional collaboration
• AI and automation implementation
• Executive communication

Location

• San Francisco, CA
• New York, NY
• Salt Lake City, UT
• Seattle, WA

Work Type

• Hybrid
• Full-time

Experience Level

• 10+ years

Salary/Compensations

• $231,660 - $289,575

Benefits

• Equity compensation
• Four weeks per year of fully remote work

About the Company

• Intelligent finance platform enabling companies to spend smarter and move faster
• Provides global corporate cards, banking, spend management, bill pay, and travel software
• AI-native automation and service-focused financial platform
• Wholly owned subsidiary of Capital One, N.A.

Equal Opportunity

• Committed to building a diverse team and inclusive culture