Senior Director of Credit Risk and Underwriting Strategy

About Us

We’re revolutionizing the way people get paid. As the leading provider of on-demand pay solutions, our award-winning technology platform empowers top employers across the U.S. to foster stronger connections with their employees. Our voluntary benefit helps workers feel more motivated and financially secure, both on and off the job.

Based in New York City, we operate nationwide and in Belfast. To learn more, visit our Press Center.

The Role

Join our Finance Organization as a key leader overseeing credit risk management and supporting capital market initiatives. You will collaborate with various departments to support the sales process, manage risk, and ensure compliance with policies and debt covenants.

Even if you don't meet every qualification, we encourage you to apply if this role excites you!

How You Will Make An Impact

• Lead and manage the credit underwriting process for both new and existing commercial clients, tailoring processes for different client segments (from large strategic accounts to small businesses).
• Oversee risk reporting and portfolio management to align credit risk with internal and external targets and policies.
• Develop innovative credit underwriting strategies to support business growth and maintain risk targets, including leveraging technology for automation.
• Act as the go-to expert on credit policy and underwriting processes, supporting our sales and customer success teams.
• Collaborate with accounting, finance, legal, and product teams to ensure new business segments and product offerings comply with credit risk tolerance.
• Assist in debt capital markets efforts, including due diligence, structuring, and communication with lenders/investors.
• Serve as the point person for collateral field exams.
• Manage and mentor a team of credit analysts/associates.
  
  

What You Bring To The Team

• Bachelor's degree in Business Administration, Finance, Accounting, Economics, or equivalent experience.
• 7 years of experience in commercial credit underwriting, whether in a commercial bank, investment bank, credit fund, rating agency, or fintech company.
• Strong technical skills in financial statement analysis and credit risk management.
• Excellent communication, presentation, and project management abilities.
• Proven track record in developing and refining credit underwriting policies and processes.
• Keen eye for process improvement and experience with automation.
• Experience managing and developing teams effectively.
  
  

What We Offer

• Comprehensive health, vision, and dental care.
• Equity ownership opportunities.
• Life and AD&D insurance, short- and long-term disability.
• Employee Assistance Program.
• Engaging Employee Resource Groups.
• Fun company outings and events.
• Unlimited PTO.
• 401(k) with company match.
  
  

Employment Type: Full-Time