Credit Operations

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.

About Affiniti, and who we look for:

LOCATION

NYC

EXPERIENCE

1+ YOE. There is no upper limit.

TOTAL COMPENSATION

$100K to $200K + Equity (Experience adjusted)

BENEFITS

Reimbursed Relocation

Free Lunch and Dinner (In NYC)

Paid Technology Equipment Set Up

Health, Dental, and Vision Insurance Fully Paid

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”

It’s About Time Someone Revived The Backbone Economy

If you’re interested, email [email protected] and [email protected] with a brief description on why we should chat!