Senior Credit Risk Associate

• Underwrite new credit requests: assess borrower profiles, evaluate financial statements, and prepare clear, concise credit memos for review and committee approval.

• Own portfolio monitoring: track performance, identify early warning signals, and recommend proactive measures to manage exposure.

• Contribute to credit policy development: help refine our underwriting standards, credit limits, and risk appetite as we scale.

• Collaborate cross-functionally: partner with Finance, Product, and Operations to improve credit decisioning, automate workflows, and streamline processes.

• Communicate insights clearly: distill complex credit narratives into executive-ready materials that inform leadership and investors.

• Act as a trusted credit voice: provide thoughtful, independent perspectives on borrower risk and portfolio quality.

  Bonus points if you’ve helped implement new underwriting workflows, tools, or policies at a startup or early-stage lending platform.

• 4-6 years of experience in commercial/consumer credit, underwriting, or portfolio risk management, ideally within a bank, credit fund, or fintech environment (preferably consumer).

• Proven ability to analyze financial statements, interpret borrower behavior, and make judgment-based credit recommendations.

• Advanced proficiency in Excel for financial modeling and credit analysis.

• Exceptional attention to detail, organization, and written communication skills.

• A proactive, solutions-oriented mindset: comfortable managing multiple deals and deadlines simultaneously.

• Familiarity with credit documentation, covenants, and ongoing borrower monitoring best practices.

• Experience working in fast-paced, high-growth startups

• Minimum 2 years of experience using SQL; comfortable with reading and analyzing large data sets.

• Be part of a fast-growing fintech startup where your work has a direct impact on shaping our credit strategy, portfolio growth, and long-term success.

• Hybrid schedule – 3 days a week in our NYC office.

• Competitive base salary of $95K–$125K plus bonus potential.

• Full health, dental, and vision benefits, 401(k), PTO, and professional development support.

• A collaborative team with opportunities to grow and make an impact.

Legal Note

• This position is full-time, exempt.

• Pursuant to the New York City Human Rights Law, the stated salary range reflects the base pay for this role at the time of posting; actual compensation may vary based on factors including but not limited to experience, education, and skill level.

• The company is an Equal Opportunity Employer (EEO). We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other legally protected characteristic.

• Employment is contingent upon successful completion of background checks and compliance with applicable regulatory requirements.