Director of Credit

🕒 Agosto 25

🇺🇸 Estados Unidos – Remoto (EUA)

⏰ Tempo Integral

🔴 Especialista

👔 Diretor

🦅 Patrocina Visto H1B

Esta empresa já patrocinou vistos H1B no passado.

👻 Score fantasma 19%

O que significa: quão provável esta vaga está aberta sem contratação ativa.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Como pontuamos: tempo em aberto, republicações, vagas abertas vs tamanho do time, rapidez para fechar vagas, e se o salário está divulgado.Observação: é uma estimativa de dados públicos, não um julgamento da empresa. Vagas reais podem ter pontuação alta, então use como uma dica, não como um fato.

Candidatar-se

Encontrar Vagas Remotas Similares

Configurar Alerta de Email para Novas Vagas

📊 Verifique sua pontuação de currículo para esta vaga

Melhore suas chances de conseguir uma entrevista verificando sua pontuação de currículo antes de se candidatar.

Enviar Currículo

Capchase

SiteLinkedInTodas as Vagas

51 - 200 funcionários

Fundada em 2020

💸 Finanças

☁️ SaaS

💳 Fintech

💰 $400.000.000 Debt Financing em 2022-07

Finance • SaaS • Fintech

A Capchase é uma empresa que oferece soluções de financiamento especificamente voltadas para empresas de SaaS B2B. Ela disponibiliza opções de capital não dilutivo, rápidas, baseadas na receita recorrente futura, permitindo que as empresas cresçam sem abrir mão de participação societária (equity). A plataforma da Capchase também viabiliza condições de pagamento flexíveis para os clientes, permitindo que os negócios recebam à vista enquanto oferecem planos de parcelamento aos seus clientes. Com integrações, cobrança automatizada e uma experiência de pagamento digital fluida, a Capchase busca reduzir a fricção na compra e acelerar os ciclos de vendas para negócios de SaaS, ajudando-os a escalar de forma eficiente e sustentável.

Descrição

• Underwrite large-ticket commercial credit requests personally, including spreading audited and CPA-reviewed financials with AI • Work with agency and shadow ratings and assess leverage, coverage, liquidity, and quality of earnings • Perform subsidiary-bankruptcy and going-concern checks • Structure transactions using upfront first payments, amortization, compressed exposure windows, guaranties, and vendor recourse • Write credit memos, present them to Credit Committee, and defend recommendations • Hold delegated signing authority for sub-$500k requests • Serve as an escalation point for analysts, sales, and vendor partners and provide timely, documented decisions • Own exception discipline, including qualification, approval, documentation, and monitoring • Establish external memo standards and diligence packages for syndicated and capital-markets transactions • Work with Capital Markets on eligibility criteria, concentration limits, representations and warranties, and repurchase triggers • Manage referrals of above-ceiling and restricted-profile requests to partners and develop syndication relationships • Structure leasing transactions, including FMV versus $1-out, capital versus operating treatment, residual assumptions, soft-cost caps, deferrals, guaranties, UCC filings, and collateral perfection • Handle cross-border structures across licensed non-US markets and restricted-jurisdiction carve-outs • Co-own credit policy with the VP Risk, covering rating tiers, limit formulas, feature eligibility, and approval authority • Monitor watch lists, delinquency and loss trends, and concentration by vendor, industry, and buyer • Partner with systems teams on Taktile rules, bureau inputs, scorecard calibration, and manual-review queues • Use data to determine where human credit judgment adds value versus automated rules • Coach and calibrate first- and second-line underwriters and run credit calibration sessions

🎯 Requisitos

• 6 to 12+ years in commercial credit, including equipment leasing, vendor or captive finance, specialty finance, bank ABL, or middle-market commercial lending • Personally underwritten and signed large-ticket commercial credit of $1M+ single obligor; comfortable at the $2.5M level • Genuine leasing background, including lease structures, residuals, lessor economics, and documentation • Syndication experience with buying or selling paper, participations, or forward-flow • Delegated credit authority and experience making decisions under time pressure • Credit judgment on imperfect files, including bureau-only, unaudited, private-company, thin-trade-depth, and foreign-accounting cases • Strong credit memo writing able to persuade a committee and satisfy external readers • Daily use of AI for productivity and higher-value tasks • Formal bank and/or leasing credit training, CFA, CPA, or equivalent grounding preferred • Multi-jurisdiction and multi-currency underwriting, especially UK/EU/Canada/Australia preferred • Scale-up experience preferred • SQL or BI proficiency preferred • Exposure to automated decisioning platforms and scorecard governance preferred • SaaS, hardware, mixed-ticket, or captive-finance experience preferred

🏖️ Benefícios

• Diverse team representing over 15 nationalities • Equal opportunity employer • Flexible payment terms and innovation-focused work environment • High autonomy and short distance to decision-making • Opportunity to help accelerate and transform the equipment financing industry