Senior Underwriter - Fintech Company

SENIOR UNDERWRITER

Full-Time Dash.fi Technologies, Inc.

Fintech Commercial Card & Payment Solutions Mastercard-Powered Platform

Job Title

Senior Underwriter

Department

Risk & Credit

Reports To

Chief Risk Officer

Direct Reports

Junior Underwriter(s) (dotted-line or direct, as org scales)

Employment Type

Full-Time

Location

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

Compensation Range

Competitive — commensurate with experience; bonus eligible

FLSA Status

Exempt

ABOUT DASH.FI

Dash.fi Technologies, Inc. is a Mastercard-powered financial technology platform purpose-built 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 enable our clients to scale ad budgets and operating velocity without the constraints of traditional banking.

At Dash.fi, underwriting is not a support function — it is a core product capability. Our credit decisions directly shape the portfolio, the client experience, and the company’s financial performance. The Senior Underwriter is one of the most consequential roles in the organization: the person who sets the analytical bar, builds the credit framework, mentors junior talent, and advises leadership on portfolio risk at the intersection of fintech innovation and disciplined credit management.

POSITION OVERVIEW

The Senior Underwriter is Dash.fi’s lead credit decision-maker. This individual owns the full underwriting lifecycle — from initial application analysis and credit structuring through ongoing portfolio risk management — and serves as the primary subject matter expert on creditworthiness, credit policy, and risk appetite for the organization.

This role goes well beyond reviewing individual applications. The Senior Underwriter is expected to build and refine credit infrastructure, develop and maintain underwriting policy, mentor junior underwriters, identify emerging portfolio risk trends, and serve as a key advisor to Product, Sales, and Executive leadership on credit strategy. This is a high-autonomy, high-accountability position suited to a credit professional who is ready to own an underwriting function at a rapidly scaling fintech.

The ideal candidate brings deep commercial credit experience, strong financial analysis skills, proven judgment on complex credit structures, and the leadership presence to drive quality across the team. Prior experience in fintech, commercial card programs, or e-commerce lending is highly valued.

KEY RESPONSIBILITIES

1. Senior-Level Credit Decisioning & Structuring

• Serve as the final decision-maker for all complex, high-value, and escalated credit applications within delegated authority.
• Conduct in-depth financial analysis of applicant businesses including multi-year revenue trends, cash flow modeling, debt service coverage, working capital adequacy, and profitability assessment.
• Analyze business and personal credit bureau reports, financial statements, bank statements, tax returns, and third-party data sources to form a holistic view of creditworthiness.
• Structure credit facilities including appropriate credit limits, payment terms, security requirements, and any conditions or covenants appropriate to the risk profile.
• Develop and apply credit overlays for industry-specific risk factors unique to digital advertising, e-commerce, and performance marketing businesses (e.g., platform dependency, seasonality, ROAS volatility).
• Evaluate and approve or deny Junior Underwriter-reviewed applications; provide written rationale for all override decisions.
• Maintain a clear and consistent credit philosophy that balances growth enablement with portfolio quality.

2. Credit Policy Development & Governance

• Own, maintain, and continuously refine Dash.fi’s credit underwriting policy and guidelines.
• Develop risk-tiered credit frameworks, scoring matrices, and decision trees that enable consistent, scalable, and defensible credit decisions.
• Define and document minimum credit standards, maximum exposure thresholds, and concentration limits by vertical, revenue tier, and business profile.
• Partner with the VP of Risk / CRO to establish and formally review the Company’s credit risk appetite on a regular cadence.
• Ensure all credit policies and procedures comply with applicable regulatory requirements including ECOA, FCRA, BSA/AML, and Mastercard network rules.
• Lead periodic credit policy review cycles; present proposed amendments and rationale to leadership for approval.
• Develop and maintain underwriting procedure documentation suitable for regulatory examination, investor due diligence, and internal audit review.

3. Portfolio Risk Monitoring & Management

• Own ongoing monitoring of the active commercial card portfolio for delinquency trends, utilization patterns, payment behavior, and early warning signals.
• Lead periodic credit line review cycles: identify accounts for limit increases, decreases, or suspension based on updated financial data and performance history.
• Develop and maintain portfolio risk dashboards and reporting metrics for leadership review including approval rates, average credit limits, delinquency rates, loss rates, and cohort performance.
• Identify and respond to emerging concentration risk, vertical-specific risk events, or macroeconomic developments that may affect portfolio quality.
• Manage accounts in workout or collections coordination, interfacing with Operations and external counsel as appropriate.
• Lead fraud pattern identification efforts; develop detection triggers and escalation protocols for suspected fraudulent account activity.
• Conduct vintage and cohort analysis to assess predictive accuracy of underwriting criteria and recommend model or criteria adjustments.

4. Team Leadership & Mentorship

• Serve as the primary mentor and quality reviewer for Junior Underwriter(s), providing case-level feedback, skills coaching, and career development guidance.
• Review and provide written feedback on Junior Underwriter credit decisions and documentation; conduct formal quality assurance reviews on a defined cadence.
• Develop training materials, case studies, and underwriting playbooks to build team-wide credit analysis capability.
• Establish and maintain underwriting SLAs for application turnaround time, ensuring the team meets service commitments to Sales and Operations.
• Identify staffing, tooling, or process gaps and present recommendations to leadership for resolution.
• Foster a team culture of analytical rigor, intellectual honesty, documentation discipline, and continuous improvement.

5. Strategic & Cross-Functional Leadership

• Serve as the primary Risk & Credit representative in cross-functional conversations with Sales, Product, Engineering, Finance, and Executive leadership.
• Advise the Sales team on credit structuring strategies for prospective accounts; provide pre-qualification guidance and communicate credit decisions with appropriate context.
• Partner with Product and Engineering to define requirements for credit decisioning systems, bureau integrations, data automation, and AI/ML-assisted underwriting tools.
• Contribute to investor due diligence processes by preparing credit portfolio documentation, loss methodology explanations, and underwriting policy summaries.
• Support capital markets or lending facility conversations by providing portfolio quality data, underwriting standards documentation, and risk narrative.
• Represent Dash.fi’s credit function in regulatory, banking partner, and Mastercard network compliance reviews as required.

QUALIFICATIONS

REQUIRED

STRONGLY PREFERRED

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a closely related analytical discipline.
• 5+ years of progressive commercial credit underwriting experience, with demonstrated ownership of complex credit decisions.
• Proven ability to independently analyze and structure credit for businesses across a range of financial profiles, risk tiers, and industries.
• Expert-level proficiency in financial statement analysis, cash flow modeling, and credit bureau interpretation (business and personal).
• Deep knowledge of credit risk principles: leverage, liquidity, debt service coverage, working capital cycles, and collateral evaluation.
• Demonstrated experience owning or significantly contributing to credit policy development and documentation.
• Prior experience managing or formally mentoring junior credit personnel.
• Strong working knowledge of applicable regulatory frameworks: ECOA, FCRA, BSA/AML, and relevant consumer/commercial lending regulations.
• Exceptional written communication skills; able to produce clear, audit-ready credit rationale and policy documentation.
• Advanced proficiency in Excel or Google Sheets for financial modeling and portfolio analysis.
• Significant experience in fintech, commercial card program underwriting, charge card credit, or merchant cash advance / revenue-based lending.
• Deep familiarity with digital advertising, e-commerce, or performance marketing business models, financial structures, and risk dynamics.
• Experience underwriting within a Mastercard or Visa commercial card program, including familiarity with network rules and issuer risk obligations.
• Prior ownership of a commercial card or revolving credit portfolio, including loss forecasting and reserve methodology.
• Experience with bureau APIs and third-party data providers (Experian API, Plaid, Codat, D&B, LexisNexis, or equivalent).
• Familiarity with credit decisioning automation, scorecard development, or AI/ML-assisted underwriting workflows.
• Experience supporting investor due diligence, banking partner relationships, or regulatory examinations in a credit capacity.
• MBA, CFA, or completion of a formal commercial credit training program (e.g., RMA credit curriculum) is a plus.

CORE COMPETENCIES

Senior Credit Judgment

Policy Architecture

Portfolio Ownership

Makes consistent, defensible credit decisions on complex and ambiguous files without requiring escalation. Can articulate risk rationale clearly to any audience.

Builds structured, scalable credit frameworks from first principles. Writes policy that holds up under examination, growth, and edge-case stress.

Thinks beyond individual files to the portfolio as a whole. Tracks trends, identifies concentrations, and acts proactively before losses materialize.

Team Leadership

Executive Communication

Strategic Partnership

Elevates junior team members through structured feedback, coaching, and real-time mentorship. Builds credit capability across the organization, not just within their own files.

Translates complex credit concepts into clear, concise language for Sales, Product, Investors, and Executive leadership. Influences decisions with data and narrative.

Acts as a true business partner — not a gatekeeper. Finds creative, risk-appropriate structures that enable growth while protecting the portfolio.

AUTHORITY & ACCOUNTABILITY

Area

Senior Underwriter Authority

Credit Limit Decisions

Full independent authority within limits defined in the Credit Policy. Escalates to VP of Risk / CRO for decisions exceeding delegated authority thresholds.

Policy Updates

Proposes and drafts policy amendments; requires VP of Risk / CRO sign-off for formal adoption.

Junior Underwriter Reviews

Full authority to approve, override, or return for revision any Junior Underwriter credit decision. Provides written rationale for all overrides.

Portfolio Actions

Authority to initiate credit line decreases, account holds, or suspension recommendations; executes within defined escalation matrix.

Vendor / Tool Recommendations

Recommends third-party data providers, bureau integrations, or decisioning tools to VP of Risk / CRO for evaluation and procurement.

External Representation

Authorized to represent Dash.fi’s credit function in banking partner, investor, and regulatory conversations with VP of Risk approval.

HOW SUCCESS IS MEASURED

Performance in this role will be evaluated across the following dimensions:

• Portfolio quality metrics: delinquency rate, net loss rate, and approval rate trends versus targets.
• Underwriting decision turnaround time and adherence to SLAs.
• Quality and consistency of credit documentation and rationale, as assessed through internal audit and peer review.
• Quality of Junior Underwriter output following mentorship and QA review sessions.
• Timeliness and completeness of credit policy maintenance and periodic review cycles.
• Qualitative feedback from Sales, Product, and Executive leadership on credit function responsiveness, clarity of communication, and strategic contribution.
• Absence of material credit policy exceptions or regulatory findings attributable to underwriting process failures.

WHAT WE OFFER

• Competitive senior-level base salary with performance bonus eligibility, commensurate with depth of credit experience.
• Equity participation commensurate with role seniority and company stage.
• Full benefits package including health, dental, and vision coverage.
• Remote-first work environment with autonomy and flexibility.
• A seat at the table: direct access to VP of Risk, CRO, and Executive leadership on credit strategy and portfolio decisions.
• The opportunity to build — from the ground up or close to it — a credit infrastructure that scales with the company.
• A fast-moving, intellectually honest team where credit excellence is valued and rewarded.
• Clear path to VP of Risk or CRO for the right candidate as Dash.fi scales.

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 carries significant responsibility over financial data, credit decisions, and proprietary risk infrastructure. The successful candidate will be required to complete comprehensive background screening, execute all applicable confidentiality and data security agreements, and comply fully with Dash.fi’s data handling and compliance policies prior to and throughout employment.

How to Apply

Submit your resume, a cover letter describing your credit underwriting experience and your vision for the credit function at a fintech card platform, and any relevant writing samples (redacted underwriting memos, policy documents, or credit frameworks).

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

Qualified candidates will be contacted within 5–10 business days. The interview process includes a technical credit analysis exercise.

Pay: $95,000.00 - $140,000.00 per year

Benefits:

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

Work Location: Remote