We are seeking an Associate Director of Credit Underwriting & Operations to build and lead the credit function at Mesh. In this role, you will shape the future of corporate payments through data-driven insights, strong controls, and automation, and set the credit strategy for a diverse base of B2B customers, including global enterprises and publicly traded companies.
You will own the credit portfolio and credit outcomes end-to-end and manage Meshs partnership with its warehouse bank. This role requires deep credit expertise, fluency with data, and the ability to independently lead complex, cross-functional initiatives. You will work closely with cross-functional partners and C-level leadership, with the opportunity to influence strategy at the highest levels.
What Youll Do:
Build and lead Meshs credit function, owning the credit portfolio end-to-end, including setting and adjusting credit limits, monitoring trends, and driving proactive portfolio actions
Manage the partnership with Meshs warehouse bank, serving as the primary point of contact for portfolio reporting, diligence, and ongoing facility requirements
Design and refine underwriting and portfolio-risk strategies and scalable decisioning frameworks across lending products, industry segments, and customer profiles, using quantitative techniques, internal and external data, and financial analysis
Conduct forecasting, loss modeling, portfolio performance analysis, and due diligence for new programs and credit initiatives
Own credit policy, leading enhancements from design through execution and impact measurement
Build and improve operational credit workflows with Sales, Customer Success, Operations, Finance, and Compliance, driving control, automation, and efficiency as the business scales
Present portfolio insights, trends, and recommendations to C-level leadership to inform strategic decisions
Engage directly with customers, supporting diligence and onboarding for enterprise and global companies
Lead the evolution of Credit from a pure risk-minimization function into a driver of profitable growth and an incubator of new product initiatives
Requirements: 4+ years of commercial credit underwriting, ratings, or related functional experience, including 1+ years of credit operations experience
Experience building and managing a credit program, including risk appetite frameworks, credit policies, and forward-looking forecasts that leverage internal portfolio, macroeconomic, industry, and external data
Experience working with warehouse lenders, bank partners, or other credit funding partners is a strong plus
Knowledge of business credit risk trends and first-party and third-party fraud risks
Strong analytical skills and prior experience leveraging large and complex datasets to drive business decisions
Commercial card, B2B credit, and/or travel industry credit risk management is a plus
Hands-on experience in a fintech/startup environment
You combine creative and strategic thinking with operational excellence and sound judgment on complex, non-standard credit cases
Strong partnership and communication skills, with proven success working with sales, client management, product, and operations, and with stakeholders of varying business goals and technical knowledge
This position is open to all candidates.