Credit Operations

Affiniti • New York, NY

18h

About The Position

Affiniti is building a financial partner for small businesses that have historically been underserved by traditional institutions. In this role, you will help extend credit to small businesses and commercial customers by developing and refining the models, policies, and frameworks used to make responsible credit decisions at scale. Your decisions will affect whether business owners receive credit to support their growth.

The role combines credit underwriting, policy development, portfolio analysis, financial modeling, and collaboration with internal teams. You will build credit decisioning and pricing approaches, manage policy enforcement and customer-facing credit decisions, assess new data vendors, and help model funding strategies. Affiniti is seeking candidates with hands-on experience underwriting small-business revolving credit cards, strong analytical and technical skills, and deep credit risk and underwriting knowledge.

Candidates must currently be authorized to work in the United States. Affiniti is an equal opportunity employer and provides reasonable accommodations to qualified applicants and employees with disabilities throughout the recruiting process.

Requirements

• Proven experience underwriting small-business revolving credit cards (required).
• Strong analytical and financial modeling skills, including building forecasts and stress-testing 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 core credit models and policies, including approval and decline logic, credit limit assignment, APR pricing, and collections.
• Underwrite and assign credit lines for 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 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 actionable reporting for internal stakeholders.
• Develop valuation forecasts accounting for financing options, portfolio trends, and through-the-cycle credit performance.

What This Job Offers

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