Director of Underwriting

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September 22

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Flex

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End-to-end finance platform for businesses.

11 - 50 employees

💰 $100M Debt Financing on 2023-09

📋 Description

• Directly underwrite applications to assess business creditworthiness using customer financial documents and third-party data such as commercial credit bureau reports. • Actively review and validate underwriting decisions made by team members, supplying constructive feedback and coaching to enhance skills and decision-making. • Employ sophisticated methodologies to identify credit risks and prevent fraud within the underwriting process. • Develop and refine underwriting policies aligned with Flex’s strategic goals to maintain low default probabilities. • Mentor and lead the underwriting team, fostering continuous learning, innovation, and accountability. • Collaborate with cross-functional teams to streamline underwriting processes and contribute to business objectives. • Work with Portfolio Management, Analytics, and Strategy to create an efficient lifecycle view of the credit portfolio to maximize customer lifetime value. • Report to the Chief Risk Officer and perform both strategic and hands-on underwriting duties.

🎯 Requirements

• A minimum of 10 years of relevant experience, including 5+ years in a management role with hands-on underwriting responsibilities. • Experience in the Fintech space a strong plus. • Expertise in financial analysis and credit underwriting principles. • Experience assessing creditworthiness using customer-supplied financial documents and third-party data (e.g., commercial credit bureau reports). • Proven experience actively underwriting and guiding underwriters through complex credit scenarios. • Strong leadership skills with the ability to balance strategic oversight and direct operational involvement.

🏖️ Benefits

• Fully remote — role can be performed from anywhere.