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About the Role
This is the first credit hire at Endeavor. You will build the credit infrastructure, including models, data pipelines, and lender feedback loops, to support patient financing at scale. You will have the autonomy to define Endeavor's credit strategy and operations.
Responsibilities
- Assess gaps in Endeavor's financing coverage across the FICO spectrum and identify where patients are falling out of the funnel without a matching offer.
- Build and lead Endeavor's underwriting infrastructure, developing models, data pipelines, and lender feedback loops.
- Design and manage a structured data-sharing framework with Endeavor's lender partners.
- Evaluate lender performance on credit quality, coverage breadth, and approval rates, and surface actionable insights.
- Partner with the Head of Lending and CTO to embed credit intelligence into the Endeavor platform and patient application experience.
- Define risk policies and underwriting guidelines as Endeavor expands into healthcare verticals beyond dental.
- Identify and evaluate new lender partners that fill coverage gaps, particularly for near-prime and sub-prime patients.
Requirements
- 10+ years in credit risk, underwriting, or risk modeling, ideally in consumer lending, fintech, or healthcare finance.
- Deep experience building or improving risk models and using credit data to drive measurable business outcomes.
- Fluency in the consumer lending stack, including FICO scoring, alternative data, bureau pulls, waterfall logic, and MDR/pricing economics.
- Comfortable working with lender partners on data-sharing agreements, underwriting criteria, and program performance reviews.
- Analytical and hands-on; able to write SQL, interpret model outputs, and present findings clearly to non-technical stakeholders.
- Startup mentality; ability to build a team and processes independently.
- Experience in medical, dental, or point-of-sale lending is a plus.
Skills
- Credit risk modeling
- Underwriting
- Risk modeling
- Consumer lending
- Fintech
- Healthcare finance
- Risk models
- Credit data analysis
- FICO scoring
- Alternative data
- Bureau pulls
- Waterfall logic
- MDR/pricing economics
- Data-sharing agreements
- SQL
- Model interpretation
- Stakeholder communication
Location
- New York, NY
- San Diego, CA
Work Type
- Full-Time
Experience Level
- 10+ years
About the Company
- Endeavor is a small team integrating with lenders across the full FICO spectrum, processing millions in patient financing, and helping dental practices convert patients who were previously turned away.
- Endeavor is building the infrastructure to scale patient financing and is establishing its own credit capability.