VP of Credit & Lending

At Finz, we’re on a mission to fix a broken credit system that fails 1.6 billion self-employed entrepreneurs and small business owners. Traditional lending wasn’t built for them—we are changing that. We're building an AI-powered credit system that understands entrepreneurs beyond traditional credit scores—unlocking access to fair, fast, and flexible capital.

We’re looking for a trailblazer—someone who doesn’t just understand lending but is ready to redefine it.

Why This Role Matters:

💡 40 million entrepreneurs wake up every day with no access to fair credit.

💡 They overpay by $2,250 a year due to outdated lending models.

💡 Banks and fintechs aren’t solving this—we are.

This is your chance to build the future of AI-driven lending at the ground level.

What You’ll Own:

🚀 Architect the future of credit – Design and scale AI-powered underwriting models that go beyond FICO.

🚀 Build & launch credit products – Develop a suite of lending solutions: credit cards, overdrafts, working capital loans.

🚀 Leverage AI to redefine risk – Use alternative data, real-time cash flow analysis, and behavioral signals to build a better credit system.

🚀 Crack the regulatory puzzle – Ensure compliance while pushing the boundaries of innovation in lending, underwriting, and risk pricing.

🚀 Scale the lending engine – Build partnerships with banks, credit unions, and alternative lenders to fuel our credit products.

What You Bring:

✅ Deep expertise in lending – 7 years in credit risk, SME lending, underwriting, or credit cards.

✅ Regulatory savvy – Strong understanding of FCRA, ECOA, AML, and OCC/CFPB regulations.

✅ AI & fintech mindset – Experience leveraging AI, ML, or alternative data in lending.

✅ Builder DNA – You don’t just optimize credit models; you design new ones from scratch.

✅ A passion for entrepreneurs – You want to fix the system for small business owners and freelancers left behind by traditional finance.

Why Join Finz?

🔥 Founding team from fintech, AI, and banking.

🔥 A $3 trillion opportunity to transform credit for 1.6 billion self-employed users.

🔥 We are not another fintech—we’re fixing lending from the ground up.

This isn’t just another VP role—it’s your chance to reshape the future of credit and empower millions of entrepreneurs. If you’re ready to build, innovate, and lead the next era of AI-powered lending, we look forward to hearing from you.