Senior Credit Analyst

Overview

A growing fintech startup is seeking a Senior Credit Analyst to establish and lead their credit function focused on corporate charge card underwriting. This role involves working closely with leadership to review inbound charge card applications, refine underwriting criteria, and build a scalable credit program. The position is an individual contributor role ideal for someone experienced in corporate charge card credit risk who is comfortable working with incomplete data and shaping processes from the ground up.

Responsibilities

• Review inbound corporate charge card applications and make approve, decline, or manual review decisions
• Manage manual reviews for edge cases, exception requests, and higher-limit applications
• Document decision rationale clearly for each application
• Maintain application queue and ensure quick turnaround times
• Apply and refine underwriting criteria, scoring logic, and credit limits by customer segment
• Analyze repayment data to identify patterns and recommend adjustments
• Develop decisioning criteria as more repayment and transaction data accumulates
• Identify anomalies, fraud signals, and high-risk patterns and escalate to leadership
• Monitor portfolio performance metrics such as delinquency rates, payment failures, ACH returns, and loss trends
• Detect early warning signals and recommend proactive interventions
• Produce regular portfolio health reports for internal stakeholders
• Support compliance with relevant regulations including ECOA, Fair Lending, and NACHA
• Collaborate with product and engineering teams on credit tooling, application flows, review dashboards, and repayment infrastructure
• Work with operations on collections, customer escalations, and disputes
• Assist in evaluating vendors for credit bureaus, bank data providers, and fraud detection tools

Requirements

• Minimum 5 years of experience in credit analysis, underwriting, or credit risk at a fintech, bank, or credit union
• Direct experience reviewing and decisioning corporate charge card applications (consumer card experience alone is insufficient)
• Familiarity with business credit products such as charge cards, revolving credit, or business loans
• Strong analytical skills with proficiency in Excel or Google Sheets
• Ability to work independently and manage a high-volume application queue accurately and efficiently

Preferred Qualifications

• Experience at a charge card issuer (e.g., Brex, Ramp, Divvy, Capital One, American Express)
• Exposure to credit scoring model development or scorecard creation
• Familiarity with bank data providers or tools like Plaid used for cash flow underwriting
• Experience underwriting small and medium-sized businesses (SMBs)
• Proficiency in Python or R for data analysis

Location

This role is based at the organization's headquarters or may offer remote work options depending on candidate location.

Compensation & Benefits

Compensation details are competitive and commensurate with experience. Benefits include standard employee offerings typical for a Series A fintech startup.