Head of Credit

Role Overview slash-financial is looking for a Head of Credit to guide lending strategy and support company growth from our San Francisco office. This leadership role manages the credit department, sets direction for risk assessment, and maintains regulatory compliance. The Head of Credit also helps build a culture that encourages new ideas and continuous im…

Join Adyen as the Head of Product, CreditAt Adyen, we empower businesses with a unified solution for payments, data, and financial products. Trusted by global leaders like Facebook, Uber, H&M, and Microsoft, we are the go-to financial technology platform. Our mission is to create an environment where our team can thrive, backed by a supportive culture that encourages career ownership.As we embark on a significant growth journey for our card Issuing product, we are seeking a dynamic Product Leader to spearhead the strategy and roadmap for our Credit team. This role presents a unique opportunity to develop Adyen's credit card issuing product from the ground up.If you are passionate about financial technology and eager to shape a robust credit issuing business over the next 2-5 years, we want to hear from you. Collaborate with cross-functional teams in product, commercial, engineering, analytics, and finance to deliver an industry-leading Issuing product that serves the world's largest brands.This position is based in the United States within our Issuing team, part of our Financial Services product team, dedicated to providing exceptional financial products to our clients.

Join Mercury as a Lead of Consumer Credit specializing in Cards, where you will play a pivotal role in shaping our credit offerings and customer experience. We are seeking a dynamic and strategic thinker who is passionate about consumer finance and has a track record of driving innovation in credit products.

At Earnest, we empower determined individuals to make informed financial choices and create the future they desire.The Earnest team is dedicated to guiding borrowers towards a confident financial journey by providing smarter loan options and a clearer understanding of debt management. If you share our passion for this mission, we invite you to learn more and join us in building something exceptional.The Role of Senior Credit Strategy AnalystYou will report directly to the Senior Credit Risk Manager for Personal Loans. In this role, you will:Lead the comprehensive implementation of credit and fraud policies across all Earnest product lines, ensuring precise testing, deployment, and validation to align with policy objectives.Enhance and refine credit underwriting and fraud prevention strategies for personal loans, focusing on the balance between growth, risk, and customer experience.Evaluate portfolio performance and analyze approval funnels and fraud trends to uncover opportunities for strategy improvement and loss reduction.Create, test, and implement decision rules, segmentation strategies, and policy modifications using data-driven experimentation techniques.Collaborate cross-functionally with Product, Data Science, Compliance, and Operations to ensure the effective execution and monitoring of strategies.Develop dashboards, reporting systems, and monitoring frameworks to track essential credit and fraud KPIs, including approval rates, losses, and fraud rates.Support governance of models and strategies through documentation, controls, and performance assessments.

Join Axon and be a Force for Good.At Axon, our mission is to Protect Life. We are innovators tackling society's most pressing safety and justice challenges with our comprehensive ecosystem of devices and cloud software. Just like our products, our teamwork thrives on collaboration, candor, and empathy, as we seek diverse perspectives from customers, communities, and each other.Life at Axon is dynamic, challenging, and impactful. Here, you will take ownership and implement meaningful change. You will continuously grow while working hard for a mission that matters at a company where your contributions are valued. Your ImpactAre you eager to leave a lasting impact and help save lives? Are you passionate about leveraging technology to enhance processes? Do you aspire to be part of a high-performing team?Axon is in search of a strategic and energetic Director of Global Credit and Collections. In this leadership role, you will oversee global credit risk and order-to-cash operations. You will be responsible for defining the global credit strategy, spearheading organizational transformation in cash collections, and leading a team across the Americas, EMEA, and APAC. The ideal candidate is a results-driven leader capable of influencing senior stakeholders and ensuring seamless execution on a global scale.This role will collaborate cross-functionally to gather customer requirements early in Axon’s sales cycles, enhancing the customer invoicing experience. As a key business partner, you will engage with internal stakeholders across Sales, Customer Success, Finance, Tax, Treasury, Controllership, and IT. You will play a crucial role in developing policies, designing processes, and driving operational excellence as Axon enhances its technologies and processes in the Global Credit and Collections lifecycle.Your responsibilities will include establishing and updating accurate reserves, possessing a thorough understanding of customer contracts and billing within Axon’s CRM and ERP systems, and ensuring that Axon meets its performance obligations and issues invoices promptly.You will lead initiatives to establish data standards, including customer master data, customer contracts, and accounts receivable details, collaborating closely with Finance, Sales Operations, and IT partners. You will be instrumental in implementing new policies or updating existing ones and documenting processes as needed.

Plaid Inc. develops tools that enable developers to build financial applications, making it easier for users to connect their bank accounts and manage their finances. The platform connects to more than 12,000 financial institutions across the US, Canada, the UK, and Europe. Plaid partners with organizations such as Venmo, SoFi, major banks, and many Fortune 500 companies. Founded in 2013, Plaid is headquartered in San Francisco, with additional offices in New York, Washington D.C., London, and Amsterdam. Role overview The Sales Engineer - Credit position supports prospects and customers during the pre-sales process. This role blends technical knowledge with a strong focus on customer needs, helping clients understand and implement Plaid’s products to address business challenges. Collaboration with the Enterprise Sales team is central, as the Sales Engineer acts as the technical lead throughout sales cycles and ensures a smooth transition to post-sale teams. What you will do Serve as a technical advisor for prospects and customers evaluating Plaid’s Credit products Work with Account Executives to advance deals by answering technical questions and resolving objections Design and propose solutions tailored to client needs using Plaid’s product suite Support the transition from pre-sales to post-sale, collaborating with account teams to drive adoption of new products among existing clients What helps in this role Background in the Fintech sector or strong knowledge of financial technology trends Ability to communicate complex technical topics to both technical and non-technical stakeholders Experience working with sales teams and developing solutions that meet client requirements Comfort engaging with a wide range of clients, including large enterprises and financial institutions Location This role is based in San Francisco.

As the Director of Investor Credit at Upgrade, you will play a crucial role in overseeing our investor credit operations. This position requires a strategic thinker with a strong background in credit analysis and risk management. You will be responsible for developing credit policies, managing investor relationships, and ensuring compliance with regulatory standards.

Employee Applicant Privacy NoticeAbout Us:Join us in shaping a brighter financial future.At SoFi, we are revolutionizing how individuals engage with personal finance. We are a forward-thinking financial services company and national bank leveraging cutting-edge, mobile-first technology to empower our millions of members in achieving their financial aspirations. As the industry undergoes unprecedented changes, we proudly stand at the forefront, fully aware that our contributions directly impact lives. Our core values guide us through every endeavor. Join us to invest in your future, your career, and the financial landscape.The Team:The Credit Team at SoFi is responsible for managing credit risk across our diverse lending products (including Student Loan Refinance, Private Student Loans, Personal Loans, Credit Cards, and Mortgages). This team develops innovative, data-driven credit strategies and policies for new account origination and portfolio management, alongside collections and recovery strategies. We ensure that our lending growth aligns with the company's risk appetite while focusing on our members' best interests.As a Senior Credit Manager, you will analyze and evaluate data to create and propose effective credit risk strategies and models for SoFi’s lending products, initially focusing on Personal Loans, but with opportunities to contribute to other products as well.Your key responsibilities will include independently developing and implementing Personal Loan underwriting strategies that align with our risk appetite, monitoring risk trends within the portfolio, and offering insights for strategy enhancements. You will collaborate with cross-functional teams, leveraging your business acumen, credit experience, and analytical skills to drive revenue, mitigate risk, and add value to both the company and our members.

About Us:At Formic, we are committed to transforming American manufacturing by making automation accessible to all factories. As labor shortages, rising costs, and global competition become more pressing, automation is essential for manufacturers seeking to thrive in today's market.Our innovative Robotics-as-a-Service model integrates industrial robotics, proprietary software, and comprehensive support, offering a seamless solution that dismantles the traditional barriers of cost, complexity, and risk. This empowers manufacturers to implement automation swiftly, achieving significant improvements in throughput, safety, and operational efficiency without the burden of substantial upfront investments.Supported by prominent investors such as Lux Capital, Initialized Capital, Blackhorn Ventures, and Mitsubishi HC Capital North America, Formic is rapidly expanding, laying the groundwork for a new era of high-performance, American-made production.Join Our Team:The Formic Credit Team plays a critical role in driving responsible growth by evaluating customer risk and structuring commercial terms that facilitate scalable automation solutions. This team collaborates across departments to assess exposure, protect our capital, and uphold disciplined underwriting standards as we extend our reach nationwide. By balancing rigorous risk management with commercial agility, we ensure that Formic can grow confidently while maintaining a robust portfolio performance.Your Role:As a Senior Credit Analyst, you will spearhead the underwriting processes for small to mid-sized manufacturing clients. Your responsibilities will include assessing financial health, evaluating risks, and proposing commercial structures that align customer opportunities with Formic’s capital strategy. This position requires strong analytical skills, sound judgment, and the capacity to work independently while closely collaborating with Sales and cross-functional teams to facilitate deal execution without compromising our credit discipline.

About GigsAt Gigs, we are revolutionizing the operating system for mobile services by creating a platform that seamlessly integrates global connectivity for tech companies.Similar to how Stripe enables businesses to add payment buttons in seconds, Gigs empowers platforms to seamlessly incorporate connectivity, merging traditional telecom with cutting-edge technology. From fintechs launching mobile services to HR platforms offering work phone plans, we simplify provisioning and eliminate telecom complexities.Our dynamic team of approximately 100 professionals across the US and Europe is supported by nearly $100 million in funding from esteemed investors like Ribbit Capital, Google, and Y Combinator. As one of the fastest-growing tech companies, we unite early-stage engineers, product innovators, and business leaders from industry giants like Stripe, Airbnb, and Shopify. Together, we are addressing profound technical and regulatory challenges to deliver truly seamless connectivity.If you possess a curious spirit, creative mindset, and a desire to influence the future of telecom, we want to hear from you.The RoleAs the Head of Communications at Gigs, you will define our brand presence. Being the first in our category, we aim to cultivate a beloved brand. Collaborating with Gigs' leadership, marketing, HR, and product teams, you will develop and implement a communications strategy that enhances our reputation, attracts enterprise clients, and draws top talent.Gigs is at a pivotal moment with numerous stories to share. The ideal candidate will combine exceptional strategic storytelling capabilities with the ability to execute effectively, transforming our narratives into impactful headlines.This position is based in one of our US hubs (San Francisco or New York).

COMPANY OVERVIEWKKR is a premier global investment firm renowned for its expertise in alternative asset management, capital markets, and insurance solutions. Our mission is to deliver exceptional investment returns through a disciplined approach, leveraging world-class talent, and fostering growth within our portfolio companies and the communities we serve. KKR sponsors investment funds focused on private equity, credit, and real assets, while also partnering with hedge fund managers. Our insurance subsidiaries provide retirement, life, and reinsurance solutions managed by Global Atlantic Financial Group. Please note that references to KKR’s investments may encompass activities of our sponsored funds and insurance subsidiaries.TEAM OVERVIEWWithin KKR, the Leveraged Credit platform employs a fundamental, bottom-up research methodology to manage and invest over $45 billion across diverse asset classes and return profiles. Our team is involved in all facets of the investment process, including idea generation, thorough research and due diligence, financial modeling, and delivering presentations to the Investment Committee. Additionally, we actively collaborate with KKR’s Private Credit platform, KKR Capital Markets, and KKR Private Equity to exchange insights and industry diligence.POSITION SUMMARYWe are seeking enthusiastic and motivated candidates for our Leveraged Credit team in San Francisco. Ideal candidates will possess 0-4 years of experience in asset management, investment banking, equity/credit research, or a related field, along with a genuine passion for investing and a solid comprehension of fundamental business analysis.Successful individuals will engage in a variety of responsibilities, including:• Analyzing industry trends and pinpointing investment themes• Contributing to essential diligence workstreams• Conducting business analysis across a wide range of companies and industries• Developing financial models• Identifying relative value and analyzing securities throughout the capital structure• Evaluating deal terms and covenant structuresCRITICAL COMPETENCIES FOR SUCCESS• Strong technical skills with proven investment instincts, analytical capabilities, and proficiency in finance, accounting, and modeling• Demonstrated experience in financial reporting, creation of investor materials, and analysis of performance trends and KPIs• Motivation and a proactive approach to learning and development.

As a Principal Product Manager specializing in Tax Credits at Gusto, you will play a pivotal role in shaping our product strategy and driving innovative solutions that enhance the financial well-being of small businesses. You will work closely with cross-functional teams to develop and implement features that simplify tax credit processes, ensuring our clients have access to the benefits they deserve.

About Juniper SquareAt Juniper Square, our mission is to revolutionize private markets. We aim to make privately held assets such as commercial real estate, private equity, and venture capital more accessible to everyone. By digitizing these markets, we enhance efficiency, transparency, and access within a vital segment of our financial ecosystem. If you are passionate about improving the world through technology and want to be part of a values-driven organization, we would love to hear from you.Juniper Square offers flexible working arrangements, including fully remote roles or opportunities to work out of our offices located in San Francisco, New York City, Mumbai, and Bangalore. Our digital-first operations empower our teams to collaborate seamlessly across 27 U.S. states, 2 Canadian provinces, India, Luxembourg, and England.Your RoleWe are seeking an innovative Senior Product Manager to define and execute the product strategy for our private credit operations. This is not a conventional SaaS role; you will be instrumental in transforming how private credit firms operate by replacing outdated, Excel-based processes with a scalable, system-driven platform.You will be responsible for delivering products that manage:Daily loan activities (draws, paydowns, interest, fees)Complex contract structures (revolvers, DDTLs, multi-tranche facilities)Event-driven workflows (rate resets, payments, lifecycle notices)Lender allocations and ownership structuresIntegration with accounting systems and downstream reporting (e.g., Investran)AI-driven processing of credit agreements and lifecycle noticesCollaboration will be key as you work closely with:The Loan Operations teamThe Fund Administration teamOur client base—private credit managers (GPs)Engineering and design teams

Join Chime as a Software Engineer on our Credit Risk Platform team, where you will play a pivotal role in designing and implementing innovative solutions that enhance our risk assessment processes. You will collaborate with cross-functional teams to develop robust software solutions, ensuring the security and reliability of our platform. This is an exciting opportunity to contribute to a mission-driven company that is transforming the financial landscape.

We are seeking a passionate and visionary Head of Community to lead our community engagement efforts at Laurel. In this pivotal role, you will be responsible for fostering and nurturing relationships within our community, enhancing member engagement, and driving initiatives that resonate with our audience.Your strategic mindset will be crucial in developing innovative programs and events that further our mission while creating a welcoming environment where members feel valued and connected.

About the Role: As the Head of Worldchain, you will lead a pioneering initiative aimed at establishing a trusted human network amidst the evolving landscape of AI. You will be at the forefront of developing solutions that authenticate human identity while ensuring privacy. Your leadership will drive the integration of our products: the Orb, World ID, and World App, which collectively redefine the digital experience and create a secure layer for the AI-driven internet.Join us as we expand our global presence—over 17 million individuals in 160 countries already trust World ID for their verification needs. With our World App being recognized as one of the leading wallets worldwide, your expertise will enable developers to create safer online environments that empower genuine human engagement.

Airwallex supports more than 200,000 businesses worldwide with payment processing and embedded finance solutions. The company’s proprietary technology helps clients, including Brex, Rippling, and Qantas, operate more efficiently on a global scale. With over 2,000 employees across 26 offices and backing from investors like Visa, Mastercard, and Sequoia, Airwallex continues to shape the future of financial services. The Operations team ensures that Airwallex’s services run smoothly, focusing on workflow optimization, process improvement, and strong customer support. This group is committed to high standards and continuous growth through best practices. Role overview The Associate in Credit Risk Operations will work closely with team members to assess the credit risk of Airwallex clients. This position centers on monitoring existing clients and supporting the company’s risk management goals while maintaining a high level of service. What you will do Conduct credit risk assessments for Airwallex clients Monitor client activity to ensure ongoing risk management Collaborate with colleagues to uphold operational standards Requirements Strong analytical skills and attention to detail Comfort working in a collaborative environment Alignment with Airwallex’s operating principles and values, including humility and a hands-on approach This role is based in San Francisco, US.

Join our innovative team at Cardless as a Credit Risk Strategy Manager/Senior Manager, where you will play a crucial role in shaping our credit risk strategies. In this position, you will be responsible for analyzing data, developing risk models, and implementing strategies that ensure sustainable growth while maintaining a robust risk framework.

COMPANY OVERVIEWKKR is a premier global investment firm specializing in alternative asset management, capital markets, and insurance solutions. With a focus on generating attractive investment returns, KKR adheres to a patient and disciplined investment strategy while nurturing growth in its portfolio companies and communities. The firm sponsors investment funds that engage in private equity, credit, and real assets, and partners strategically with hedge fund managers. Additionally, KKR’s insurance subsidiaries provide retirement, life, and reinsurance products under the management of Global Atlantic Financial Group. Please note that references to KKR’s investments may include activities conducted by its sponsored funds and insurance subsidiaries.TEAM OVERVIEWEstablished in 2004, KKR Credit manages over $240 billion in assets and employs around 230 investment professionals. The Structured Credit team, part of the Leveraged Credit division, oversees more than $100 billion in assets under management, supported by a dedicated team of 50+ investment experts. For more information about KKR Credit, please visit https://www.kkr.com/businesses/credit.POSITION SUMMARYKKR is on the lookout for a dynamic Investment Analyst/Associate to join its Structured Credit Portfolio Management team in San Francisco. The successful candidate should possess 1-4 years of relevant experience and will be tasked with a range of responsibilities, including:• Recommending trades based on relative value or portfolio enhancement metrics, and presenting trade ideas and market updates to the investment committee.• Monitoring the performance of CLO portfolios and enhancing the internal analytical infrastructure that supports portfolio management.• Collaborating with traders, legal teams, and middle office personnel to ensure compliance with investment guidelines.• Conducting research on thematic topics in the structured credit and ABS sectors.• Executing pre-trade compliance checks and allocating trades according to portfolio guidelines.• Supporting the assessment of credit risk across various portfolios.• Coordinating with the research team to remain informed on sector news, earnings, and fundamental developments.• Addressing investor inquiries or ad-hoc requests from portfolio managers.

tl;dr: At Sphinx, we are revolutionizing compliance for banks and fintechs through the use of AI agents that function like human analysts. The narrative in this sector is underrepresented, presenting a unique opportunity for the right candidate. We are seeking a Head of Content to be the voice of Sphinx, crafting a comprehensive content strategy from the ground up across various formats and channels. If you have the ability to create engaging blog posts that resonate with banking executives, produce podcasts that capture attention, and approach outdoor advertising and newsletters with the same enthusiasm, we want to hear from you.BackgroundBefore funds can be transferred or accounts opened, compliance checks must be performed to ensure no illegal activities are involved. However, the current compliance process is flawed.Sphinx is at the forefront of this transformation, developing AI analysts capable of operating within browsers, APIs, and internal systems just like human counterparts, automating processes such as AML, KYC, KYB, and transaction monitoring from start to finish.Our technology empowers financial institutions to reduce manual labor by 90%, slash compliance costs by four times, and streamline onboarding processes. We have earned the trust of major players across the U.S., Canada, Europe, and Latin America.Our product is beloved by users. From inception, content creation has been driven by the founders, yielding successful results. Now, we need a talented individual to take our existing framework, expand it across all channels and formats, and develop a scalable content engine.Why Join Sphinx?Define Our Brand: You will have the freedom to build Sphinx’s voice, visual identity, and content strategy without any existing constraints or legacy guidelines.Compelling Narrative: We are transforming a $200 billion manual industry with effective AI solutions. Our clients experience a significant reduction in manual tasks. The story is there; we simply need a skilled storyteller.Diverse Content Formats: This role is not limited to writing blog posts. You will engage in various media including text, video, podcasts, newsletters, social media, physical campaigns, and any innovative formats you envision.Proven Success: We have never lost a deal to competitors; every RFP we've participated in has been won. Exceptional content will further enhance our already thriving business.Small Team, Large Impact: Our co-founders have previously sold an AI company, developing machine learning systems that scaled to millions of users and secured contracts with major banks. Our small, dynamic team in San Francisco is committed to making a difference.