About The Position
Clearco is the capital partner that thinks like a founder. We provide fast, flexible, and founder-first funding designed to scale with your momentum. With over $3 billion deployed to 10,000+ brands, our performance-driven model delivers competitive terms, capped weekly repayments, and access to capital in as little as 24 hours. There’s no dilution, no personal guarantees, and no friction. Whether you're securing inventory, funding ads, or launching your next big product, Clearco helps you move faster with confidence.
Requirements
- Degree in analytics, business, accounting, economics, finance, or equivalent practical experience
- 7+ years of experience in credit underwriting, commercial banking, specialty finance, or fintech risk management
- Direct experience with SMB credit underwriting and financial statement analysis
- Deep expertise in financial underwriting, credit analysis, investment operations, or risk management
- Comfort analyzing company data and financial statements to form clear, defensible credit views
- Familiarity with e‑commerce business models and digital health metrics
- Working knowledge of core compliance standards, including KYC and AML
- Strong quantitative and writing skills, with a track record of delivering concise, actionable recommendations
- Clear, professional presence for direct customer communication, negotiations, and cross-functional collaboration
- Strong analytical skills to break down complex problems
- Builder mindset with a track record of improving processes for scale
- Ownership and growth mindset; comfortable with radical candor
Responsibilities
- Conduct reviews of SMB customers to reach robust, data-driven credit decisions
- Work directly with customers and independently own credit decisions for individual accounts (approve/decline recommendations, exposure amounts, and key terms) within Clearco’s authorization and escalation framework
- Develop and refine detailed risk frameworks for these decisions alongside the credit team
- Work collaboratively with internal stakeholders to complete ad-hoc requests and projects, often with time constraints
- Undertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects and effectively communicate findings to key stakeholders
- Test and refine specific financial metrics and ratios to enhance the speed and accuracy of our underwriting
- Maintain expert knowledge of internal risk frameworks, authorization limits, and escalation processes
- Act as a trusted risk advisor to leadership, delivering direct, data-backed recommendations to help the team win
- Conduct ongoing analysis of the credit portfolio to flag risks and execute remediation plans
- Continually stay abreast of underwriting best practices and expand knowledge
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What This Job Offers
Job Type
Full-time
Career Level
Principal
