Director of Credit in New York at Jobgether

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Director of Credit based in the United States.

This is a senior credit leadership role focused on underwriting complex, high-value commercial transactions within a fast-growing financial technology environment.
You will personally lead large-ticket credit decisions, manage escalations, and exercise delegated authority on significant exposures.
The role combines hands-on underwriting with credit policy, portfolio management, syndication, and capital-markets readiness.
You will also help expand credit capabilities as the business enters adjacent products such as leasing and receivables financing.
Working closely with Risk, Capital Markets, Sales, and technology teams, you will balance growth, speed, risk discipline, and portfolio performance.
You will have significant autonomy and a direct voice in credit decisions, with the expectation of challenging assumptions when necessary.
This opportunity is ideal for an experienced commercial credit professional who combines deep judgment, strong writing, leadership, and an AI-first approach.

• Personally underwrite and structure large-ticket commercial credit transactions, including exposures of $1M+ and transactions reaching approximately $2.5M.
• Analyze audited and CPA-reviewed financial statements, leverage, liquidity, coverage, quality of earnings, agency and shadow ratings, and other relevant credit indicators.
• Evaluate complex or imperfect credit files, including private companies, unaudited financials, limited bureau or trade information, and international accounting frameworks.
• Structure transactions to appropriately manage risk through payment structures, amortization, exposure periods, guaranties, vendor recourse, and other credit enhancements.
• Prepare clear, well-supported credit memos and present recommendations to Credit Committee, defending decisions and responding to questions or challenges.
• Hold delegated credit authority for qualifying transactions and serve as a senior escalation point for analysts, Sales, and vendor partners, providing timely decisions and documented rationale.
• Establish and maintain disciplined exception-management practices, including approval criteria, documentation standards, and exception monitoring.
• Develop and strengthen syndication and capital-markets readiness by establishing consistent credit memo standards, diligence packages, grading practices, eligibility criteria, and concentration controls.
• Collaborate with Capital Markets on representations, warranties, repurchase triggers, and the referral of transactions exceeding internal limits or involving restricted profiles.
• Develop new syndication relationships and support the placement, participation, or forward-flow of credit assets.
• Apply leasing expertise to assess transaction structures, including residual assumptions, FMV and $1-out structures, capital and operating treatment, soft-cost limits, deferrals, guarantees, UCC filings, and collateral perfection.
• Support cross-border credit structures across applicable international markets, currencies, and jurisdictional requirements.
• Co-own credit policy with senior Risk leadership, including rating tiers, exposure limits, feature eligibility, and approval authorities.
• Monitor portfolio performance through watch lists, delinquency and loss trends, and concentration by vendor, industry, and buyer.
• Evaluate the balance between credit losses and automated approval rates to support sustainable portfolio growth.
• Partner with technology teams on automated decisioning, including Taktile rules, bureau data, scorecard calibration, and manual-review workflows.
• Determine where human credit judgment adds value versus where automated rules can improve consistency and efficiency.
• Use data and portfolio analysis to inform credit decisions and policy recommendations.
• Coach and calibrate first- and second-line underwriters, lead credit calibration sessions, and strengthen the quality and independence of the broader credit team.

• 6–12+ years of commercial credit experience in equipment leasing, vendor or captive finance, specialty finance, bank ABL, middle-market lending, or a closely related field.
• Demonstrated experience personally underwriting and signing large-ticket commercial credit transactions, including single-obligor exposures of $1M+ and comfort operating around the $2.5M level.
• Strong, practical leasing experience covering lease structures, residual values, lessor economics, documentation, and transaction risk.
• Experience buying or selling paper, managing participations, forward-flow arrangements, or otherwise working directly with syndicated credit.
• Previous delegated credit authority and demonstrated ability to make timely, independent decisions under commercial pressure.
• Strong credit judgment when working with incomplete or imperfect information, including private companies, unaudited financials, limited bureau data, and international accounting standards.
• Excellent credit-writing skills, with the ability to produce clear, persuasive, well-sourced memos suitable for both internal committees and external credit partners.
• An AI-first mindset, using AI tools to improve productivity, analysis, and decision-making while maintaining sound credit judgment.
• Strong analytical, financial, and problem-solving capabilities with excellent attention to detail.
• Ability to challenge assumptions constructively, communicate decisions clearly, and work effectively with Sales, Risk, Capital Markets, and other stakeholders.
• High level of autonomy, ownership, and comfort operating in an environment where processes and standards are still being developed.
• Experience with multi-jurisdictional and multi-currency underwriting, particularly across the UK, EU, Canada, or Australia, is preferred.
• Formal banking or leasing credit training, CFA, CPA, or equivalent financial expertise is a plus.
• Experience in a high-growth environment where you have built credit processes while simultaneously operating them is valued.
• SQL or business intelligence experience and the ability to independently analyze portfolio data are advantageous.
• Exposure to automated decisioning platforms, scorecard governance, SaaS, hardware, mixed-ticket financing, or captive finance is beneficial.
• A fintech background is not required; deep commercial credit expertise is the priority.

• Competitive compensation package aligned with the seniority and scope of the role.
• High-autonomy environment with a direct voice in important credit decisions.
• Opportunity to shape credit policy, underwriting standards, automation, and portfolio strategy as the business scales.
• Meaningful exposure to large-ticket financing, leasing, syndication, and capital-markets activity.
• Opportunity to build and mentor a growing credit organization.
• Fast-moving environment with a short distance between analysis and decision-making.
• Inclusive workplace committed to equal employment opportunity and diversity.
• Opportunity to work at the intersection of commercial credit, financial technology, automation, and AI.