Skills

Communication Leadership Sales Organization E-commerce

Job Specifications

Credit Analyst Manager

Location: New York City
Team: Credit & Risk

About Us

We're a fast-growing fintech company on a mission to empower business owners with modern financial tools that drive profitable growth. Our platform blends innovative payment solutions with financial management software, helping businesses scale efficiently while maintaining control over their margins.

With strong backing from top-tier investors and a proven product-market fit, we're entering a pivotal phase of expansion. This is a unique opportunity to help shape the future of credit and risk at scale.

The Role

We're looking for a seasoned Credit Analyst Manager to lead and grow our underwriting operations. You'll be responsible for refining credit policies, optimizing processes, and guiding a team of analysts in making disciplined, data-driven decisions. This role is central to balancing growth with risk and building scalable infrastructure for long-term portfolio health.

Responsibilities

Lead and manage a team of credit analysts across multiple financial products
Develop and maintain credit policies, approval thresholds, and risk segmentation strategies
Analyze financial statements, banking data, and alternative data sources to assess creditworthiness
Evaluate e-commerce businesses (typically $2M-$100M in revenue) and make fast, high-quality credit decisions
Underwrite credit limits tailored to e-commerce contexts, aligning with risk appetite and growth goals
Collaborate with Risk, Data, and Product teams to improve automation and scoring models
Support Sales and Customer Success with structured, responsive credit decisions
Monitor portfolio performance and adjust underwriting strategies as needed
Recruit, mentor, and scale a high-performing underwriting team

Qualifications

10+ years in underwriting, credit risk, or lending, ideally with SMBs, e-commerce, or card-based products
Strong background in financial statement and cash flow analysis
Proven experience underwriting credit limits in e-commerce environments
Experience in fintech, payments, or embedded credit is a plus
Familiarity with credit systems, automation tools, and risk frameworks
Excellent communication skills and a collaborative leadership style
Comfortable in a fast-paced, high-growth setting

Bonus Skills

Experience with transaction-level data underwriting (e.g., Open Banking)
Exposure to capital markets or structured finance
Familiarity with tools like Plaid, Alloy, or Ocrolus

Why Join

Lead and scale the credit function at a high-growth fintech
Direct influence on credit strategy and portfolio quality
Competitive compensation and meaningful equity
High-ownership culture with visibility across the organization

About the Company

At Pagos Consultants, we revolutionize recruitment in the payments industry, with a special focus on emerging markets. Our global reach and deep industry expertise ensure we understand your unique needs, requirements, and the dynamic market landscape. Explore a world of opportunities in: Online Payments Customer Not Present E-Commerce Contactless Acquiring / Issuing MPayments Pre-Paid Loyalty Merchant Services Electronic Payments Gaming & Gambling Alternative and Vertical Payments Quant Innovative Technology Our collaboratio... Know more