Credit Operations

Affiniti • New York, NY

2d • $100,000 - $175,000 • Onsite

About The Position

Affiniti is building a financial partner for small businesses that have historically been underserved by traditional financial institutions. In this role, you will help extend credit responsibly to small businesses and commercial customers, including pharmacies, contractors, veterinary clinics, and independent shops. You will build and refine the models, policies, and frameworks that guide credit decisions at scale, with those decisions directly affecting businesses’ access to financing.

The position is based on-site in New York City. It combines hands-on underwriting and credit policy management with credit modeling, portfolio analysis, vendor evaluation, and collaboration on funding strategies and valuation forecasts.

Requirements

• Proven experience underwriting small business revolving credit cards; this is required.
• Strong analytical and financial modeling skills, including the ability to build forecasts and stress-test assumptions.
• Technical fluency in SQL and data tools such as Snowflake, Tableau, DataGrip, or equivalent.
• Deep knowledge of credit risk management and financial underwriting.
• Hands-on experience building credit policies, models, and procedures from scratch.
• Currently authorized to work in the United States; candidates must be U.S. citizens, lawful permanent residents, or otherwise hold valid U.S. work authorization.
• High-ownership, do-what-it-takes mentality.

Nice To Haves

• Commercial credit, line of credit, or other credit experience.
• Early-stage startup experience.

Responsibilities

• Build and continuously refine credit models and policies, including approval and decline logic, credit limit assignment, APR pricing, and collections.
• Underwrite and assign credit lines to small business accounts and commercial customers.
• Manage credit policy enforcement directly with end users, including customer conversations, credit line increase decisions, and exception handling.
• Evaluate and onboard credit data vendors to improve risk assessment and credit decisioning.
• Partner with the capital markets team to model and report on scalable loan funding strategies, including revolving credit facilities, to optimize portfolio performance.
• Analyze portfolio performance and develop clear, actionable reporting for internal stakeholders.
• Develop valuation forecasts that account for financing options, portfolio trends, and through-the-cycle credit performance.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed