Senior Credit Specialist

To support the Credit Department, the full-time Senior Credit Specialist will underwrite flexible funding requests, evaluate non-traditional financial metrics, and manage portfolio health in a remote environment. Key responsibilities Underwrite commercial credit applications using financial statement analysis and high-frequency transaction data Collaborate with Product, Engineering, and Risk Operations to inform product development and shape underwriting logic Monitor portfolio performance and perform ongoing collateral monitoring to mitigate risks Required qualifications 3+ years of commercial credit underwriting experience at a fintech company, with a focus on revenue-based financing or short-term working capital products Strong core credit fundamentals, including financial statement analysis and cash-flow modeling Proven experience analyzing high-frequency data and transactional cash flows Familiarity with inventory-based sales cycles and CPG business models is preferred 1+ years of experience using Generative AI tools in a professional setting