Junior Underwriter - Fintech Company

JUNIOR UNDERWRITER Full-Time Dash.fi Technologies, Inc.

Fintech Commercial Card & Payment Solutions Mastercard-Powered Platform

Job Title

Junior Underwriter

Reports To

Senior Underwriter

Employment Type

Full-Time

Location

Remote — U.S.-based preferred (or as otherwise designated)

Compensation Range

Competitive — commensurate with experience

FLSA Status

Exempt

ABOUT DASH.FI

Dash.fi Technologies, Inc. is a Mastercard-powered financial technology platform built specifically for digital advertisers, e-commerce brands, and performance marketing businesses. We provide high-limit commercial credit cards, flexible payment solutions, and intelligent spend management tools that help our clients scale their ad budgets without the cash flow friction of traditional banking.

At Dash.fi, risk and credit are not back-office functions — they are central to our product. Our underwriting team sits at the intersection of fintech innovation and disciplined financial analysis, evaluating the creditworthiness of fast-moving e-commerce and advertising businesses that traditional lenders routinely misunderstand. If you love analyzing business performance, thinking critically about risk, and operating at the pace of digital commerce, this is the role for you.

POSITION OVERVIEW

The Junior Underwriter will support Dash.fi’s credit and risk operations by evaluating credit applications, analyzing business financial profiles, and assisting in the management of existing cardmember risk exposure. This role works closely with the Senior Underwriter and Risk leadership to ensure that credit decisions are accurate, consistent, defensible, and aligned with Dash.fi’s credit policy and risk appetite.

The ideal candidate brings a foundation in financial analysis or credit, a sharp analytical mind, comfort working with data and financial statements, and the ability to think independently under time pressure. Experience in fintech, commercial lending, card programs, or digital advertising verticals is a strong plus.

KEY RESPONSIBILITIES

Credit Evaluation & Application Review

• Review and analyze incoming credit applications from digital advertisers, e-commerce merchants, and performance marketing businesses.
• Evaluate applicant business financial health using bank statements, revenue reports, profit and loss statements, tax returns, and other financial documentation.
• Pull and interpret personal and business credit bureau reports (e.g., Experian, Equifax, TransUnion, Dun & Bradstreet) to assess creditworthiness.
• Assess cash flow patterns, revenue consistency, seasonality, and burn rate relative to requested credit limits.
• Identify and flag elevated risk indicators including thin credit files, derogatory history, high concentration risk, or abnormal spending patterns.
• Make credit limit recommendations within delegated authority levels; escalate complex or higher-risk decisions to Senior Underwriter or VP of Risk.
• Ensure all credit decisions are documented accurately in the underwriting system with clear rationale and supporting evidence.

Portfolio Monitoring & Risk Management

• Monitor existing cardmember accounts for changes in spending behavior, utilization trends, payment patterns, and delinquency signals.
• Support periodic credit line reviews and limit adjustment decisions for existing accounts based on updated financial data and performance history.
• Assist in identifying accounts requiring credit line decreases, increased scrutiny, or suspension based on risk triggers.
• Contribute to the maintenance of the risk monitoring dashboard and delinquency tracking reports.
• Assist in fraud pattern identification and escalate suspected fraudulent activity per protocol.

Documentation, Compliance & Process

• Maintain accurate, complete, and audit-ready underwriting files for all credit decisions.
• Ensure all credit activities comply with applicable regulatory requirements including ECOA, FCRA, BSA/AML, and applicable Mastercard network rules.
• Support the development and refinement of credit policy documentation, underwriting guidelines, and decision frameworks.
• Participate in credit policy review sessions and contribute observations from case-level experience.
• Assist in preparing credit risk reporting for leadership review, including cohort analysis, approval rate trends, and loss metrics.

Cross-Functional Collaboration

• Collaborate with the Sales team to provide underwriting guidance on prospective accounts and communicate credit decisions in a timely manner.
• Partner with Operations and Customer Success on escalated account issues requiring credit context.
• Work closely with the Engineering team to provide input on credit decisioning system improvements, data capture requirements, and automation opportunities.
• Support the onboarding of new financial data sources, bureau integrations, or risk tools as the platform evolves.

QUALIFICATIONS

REQUIRED

PREFERRED / STRONG PLUS

• Bachelor’s degree in Finance, Accounting, Economics, Business, or a related analytical discipline.
• 1–3 years of experience in underwriting, credit analysis, financial analysis, banking, or lending (consumer or commercial).
• Demonstrated ability to read, interpret, and analyze financial statements, bank statements, and credit reports.
• Working knowledge of credit risk concepts including debt service coverage, leverage ratios, liquidity analysis, and credit scoring.
• Strong attention to detail and commitment to documentation accuracy.
• Ability to manage a pipeline of applications and prioritize under time pressure.
• Clear written and verbal communication skills; able to articulate credit rationale concisely.
• Proficiency with Microsoft Excel or Google Sheets for financial analysis and reporting.
• Prior experience in fintech, commercial card programs, charge card underwriting, or merchant lending.
• Familiarity with digital advertising, e-commerce, or performance marketing business models and financial dynamics.
• Exposure to Mastercard or Visa commercial card network rules and compliance requirements.
• Experience with credit bureau APIs or third-party financial data providers (e.g., Plaid, Experian API, D&B).
• Knowledge of regulatory frameworks applicable to commercial credit: ECOA, FCRA, BSA/AML basics.
• Experience with CRM or underwriting workflow platforms (HubSpot, Salesforce, proprietary systems).
• Comfort working in a fast-paced, high-growth startup or scale-up environment.
• Interest in or exposure to AI/ML tools for credit decisioning or risk analytics.

CORE COMPETENCIES

Analytical Rigor

Risk Judgment

Attention to Detail

Integrity & Ethics

Ability to extract meaningful insight from financial data, identify patterns, and form defensible conclusions

Sound judgment in weighing risk factors holistically, not just mechanically applying scoring criteria

Meticulous accuracy in documentation, decision rationale, and data entry — underwriting errors have real consequences.

Upholds the highest standards of confidentiality, fairness in lending, and regulatory compliance at all times.

Communication

Time Management

Adaptability

Collaboration

Communicates credit decisions and risk concerns clearly to both technical and non-technical stakeholders.

Manages a pipeline of applications efficiently, meeting SLA targets without sacrificing quality of analysis.

Thrives in a rapidly evolving fintech environment where processes, tools, and risk models are actively being built.

Works effectively with Sales, Operations, and Engineering teams to deliver timely, well-reasoned credit outcomes.

WHAT WE OFFER

• Competitive base salary commensurate with experience, with performance-based compensation eligibility.
• Full benefits package including health, dental, and vision coverage.
• Remote-first work environment with flexible scheduling.
• Direct exposure to a high-growth fintech platform operating at the intersection of commercial credit, digital advertising, and payments technology.
• A clear development path toward Senior Underwriter and broader Risk leadership roles.
• Access to a collaborative, entrepreneurial team that values analytical thinking, intellectual honesty, and getting things right.
• The opportunity to help build and refine underwriting infrastructure at a company in active scale — your work here will have real, visible impact.

COMPLIANCE & EQUAL OPPORTUNITY

Dash.fi Technologies, Inc. is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by applicable law. All employment decisions are made on the basis of qualifications, merit, and business need.

This position involves access to sensitive financial data and is subject to Dash.fi’s data security and confidentiality policies. The successful candidate will be required to complete background screening and agree to all applicable data handling, confidentiality, and compliance requirements prior to commencement of employment.

How to Apply

Submit your resume and a brief cover letter describing your credit analysis experience and your interest in Dash.fi’s mission.

Applications should be directed to the People Operations team via the designated application channel. tawnya@dash.fi

We review all applications and reach out to qualified candidates within 5–10 business days of submission.

Pay: $65,000.00 - $95,000.00 per year

Benefits:

• 401(k) 6% Match
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Retirement plan
• Vision insurance

Work Location: Remote