Director of Credit

🔥 13 hours ago

🇺🇸 United States – Remote

⏰ Full Time

🔴 Lead

👔 Director

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 12%

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Capchase

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2020

💸 Finance

☁️ SaaS

💳 Fintech

💰 $400M Debt Financing on 2022-07

Finance • SaaS • Fintech

Capchase is a company that provides financing solutions specifically tailored for B2B SaaS companies. It offers fast, non-dilutive funding options based on future recurring revenue, enabling companies to grow without giving up equity. Capchase's platform also facilitates flexible payment terms for customers, allowing businesses to receive upfront payments while offering installment plans to their clients. With integrations, automated collections, and a seamless digital payment experience, Capchase aims to reduce buying friction and accelerate sales cycles for SaaS businesses, ultimately helping them scale efficiently and sustainably.

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

• 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