Proven track record underwriting small business revolving credit cards; commercial credit experience is a strong plus.
Strong analytical skills with experience in financial modeling and forecasting.
Technical fluency in SQL and data tools like Snowflake or Tableau.
Deep knowledge of credit risk management and hands-on experience building credit policies and models.
Early-stage startup experience is a plus.
High ownership mentality with a proactive approach to responsibilities.
Responsibilities
Build and refine core credit models and policies for approval logic and credit limits.
Underwrite and assign credit lines for small business and commercial customers.
Manage credit policy enforcement through direct customer interactions.
Evaluate and onboard new credit data vendors to enhance risk assessment.
Collaborate with capital markets to model scalable loan funding strategies.
Analyze portfolio performance and create actionable reports for stakeholders.
Develop valuation forecasts considering financing options and credit performance trends.
Benefits
Opportunity to shape credit policies and models in a growing startup environment.
Direct impact on the financial health of small businesses in underserved communities.
Collaborative work culture with a focus on innovation and improvement.
Access to advanced data tools and resources for professional development.
Full Job Description
About This Role
Cash flow is the defining financial challenge for small businesses in America. Revenue is lumpy, expenses don't wait, and most SMB owners have never had a financial partner that truly understood their business.
Affiniti is building that partner. As our credit analyst, you'll help us extend credit to the pharmacists, contractors, vet clinics, and shop owners that form the backbone of American communities but have been underserved or ignored by traditional institutions for decades.
This isn't a rubber-stamp-the-scorecard role. You'll build and refine the models, policies, and frameworks that determine how we extend credit responsibly at scale. The decisions you make will directly determine whether a small business owner gets the runway they need to grow.
Key Responsibilities
Build and continuously refine our core credit models and policies: approval/decline logic, credit limit assignment, APR pricing, collections, and everything in between
Underwrite and assign credit lines across the full spectrum, from small business accounts to commercial customers
Manage credit policy enforcement with end users directly: customer conversations, line increase decisions, and exception handling
Evaluate and onboard new credit data vendors to sharpen our risk assessment capabilities and improve decisioning
Partner with our capital markets team to model and report on scalable loan funding strategies, including revolving credit facilities, to optimize portfolio performance
Analyze portfolio performance and build clear, actionable reporting for internal stakeholders
Develop valuation forecasts that account for financing options, portfolio trends, and through-the-cycle credit performance
Qualifications
Proven track record underwriting small business revolving credit cards (required); commercial credit, line of credit, and other credit experience is a strong plus
Strong analytical and financial modeling chops, you're comfortable building forecasts and stress-testing assumptions
Technical fluency in SQL and data tooling (Snowflake, Tableau, DataGrip, or equivalent)
Deep knowledge of credit risk management and financial underwriting, including hands-on experience building credit policies, models, and procedures from scratch
Early-stage startup experience is a plus
A high ownership, do what it takes mentality, that doesn't see a job as "just a job"
Work Authorization
Candidates must be currently authorized to work in the United States. For this role, we are considering candidates who are U.S. citizens, U.S. lawful permanent residents (Green Card holders), or individuals who otherwise currently hold valid authorization to work in the United States.
