Company Overview

A rapidly scaling financial technology platform focused on supporting multi-unit operators and independently owned brands across the U.S. The company delivers a combination of spend management, purpose-built commercial cards, and tailored financing solutions designed for complex operating structures.

Trusted by a growing base of established operators, the platform enables faster access to capital while providing enhanced visibility into unit-level and portfolio-level financial performance. The business is building modern financial infrastructure to help operators manage, optimise, and expand their footprint more efficiently.

As part of its next phase of growth, the company is hiring a Director of Credit to help scale and oversee its lending, card, and capital markets activities.

Role Description:
The Director of Credit will primarily be responsible for assessing the financial strength of businesses and franchise operators, producing data-driven credit decisions, maintaining a disciplined credit culture as they scale originations, pipeline planning, and portfolio / funding management. This role combines underwriting, portfolio analytics, risk policy development, and cross-functional collaboration with Finance, Product and Growth.

Responsibilities:

• Underwrite business and franchisee borrowers using financial statements and unit-level economics.
• Set and adjust credit limits, loan structures, and loan pricing based on emerging performance and portfolio trends.
• Produce high-quality credit memos and present recommendations to senior leadership and capital partners.
• Help manage customer credit portfolios (includes loans, card receivables, and AP financing).
• Contribute to credit policy development, scorecard improvements, and data-driven risk rules across lending and charge-card products.
• Assist in managing and tracking funding partnerships and credit pipelines.
• Assist in FP&A, modeling, and company projections.

Qualifications:

• 5+ years of underwriting or credit risk experience in SMB lending, franchise finance, or commercial banking.
• Strong analytical capability: financial statement analysis, cash-flow assessment, sensitivity scenarios, and risk grading.
• General experience with accounting and financial analysis.
• Familiarity with QSR/franchise models, unit economics, and operator risk factors (preferred).
• Clear, concise communicator able to synthesize data into actionable credit recommendations.
• Desire to work in hyper growth startup environment.

Key information:
$125,000-$150,000 Base + bonus + equity.

NYC office is in Landmark building; we are all in the office collaborating and working together every day. We expect significant office attendance and in person contribution.
Company sponsored benefits (PTO, Healthcare, HSA/FSA) are all included.