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.

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.

Equal Opportunity Employment

Affiniti is an equal opportunity employer. We are committed to building a diverse and inclusive workplace and consider all qualified applicants for employment without regard to race, color, religion, sex, pregnancy, national origin, age, disability, genetic information, veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by applicable federal, state, or local law.

Affiniti provides reasonable accommodations to qualified individuals with disabilities and applicants with disabilities throughout the recruiting process, consistent with applicable law.