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About the Role
Our loan book is growing rapidly and requires dedicated ownership. This role will oversee all aspects from customer application to capital funding, including underwriting, risk management, loan operations, and debt facilities. As the first credit hire, you will report to the CEO, establish credit policy, and serve as the primary point of contact for lenders.
Responsibilities
- Build the underwriting framework for loan and card products, including approval criteria, limits, pricing, and terms.
- Make significant credit decisions and define rules for automated underwriting.
- Monitor portfolio performance, including delinquencies, loss curves, and concentrations, and take proactive measures.
- Manage loss provisioning and reserves.
- Oversee end-to-end loan operations, encompassing servicing, collections, funding, and borrowing base reporting.
- Manage the revolving credit facility and lender relationships, including reporting and covenant compliance.
- Lead future capital raises, such as facility upsizes, new lender onboarding, and warehouse or forward-flow deals.
Requirements
- 6+ years of experience in private credit or specialty finance funds, structured or leveraged finance at a bank, or capital markets at a fintech lender.
- Experience underwriting SMB or commercial credit with direct judgment responsibility.
- Ability to interpret credit agreements, including borrowing base, advance rates, and covenants.
- Proficiency in building financial models.
- Willingness to handle diverse tasks, from lender negotiations to collections process improvements.
Skills
- Underwriting
- Risk Management
- Loan Operations
- Debt Facilities Management
- Credit Policy Development
- Portfolio Monitoring
- Loss Provisioning
- Servicing
- Collections
- Funding
- Borrowing Base Reporting
- Revolving Credit Facility Management
- Lender Relationship Management
- Capital Raising
- Financial Modeling
- Credit Agreement Analysis
- SQL
- Python
Location
- San Francisco
- New York
- Los Angeles
- Orange County
Work Type
- Full-time
Experience Level
- 6+ years
Salary/Compensations
- San Francisco and New York: 200K–230K USD base
- Los Angeles and Orange County: 180K–210K USD base
- 10–20% performance bonus
- Equity
About the Company
- We fund ad-spend.