Role Brief: Head of Credit
Reports to: Chief of Staff & CEO
Location: Austin, Texas
The Opportunity
The company operates at the intersection of B2B payments and credit, serving SMBs with increasingly sophisticated products. As the business scales, we are hiring our first Head of Credit to define and own our credit strategy end-to-end.
This is a senior, high-impact role focused on building credit frameworks, policies, and portfolio strategy — not simply approving deals. The Head of Credit will shape how credit is done across payments-led credit, trade credit, and enterprise underwriting.

Scope of Role

• Own credit strategy across lending products and B2B payments
• Cover commercial credit, underwriting standards, credit policy, and portfolio strategy
• Define credit metrics, decision frameworks, and internal policies
• Translate market and bank partner expectations into scalable credit processes

Key Responsibilities

• Set and refine credit policy, underwriting standards, and risk frameworks
• Monitor and actively manage portfolio-level credit performance
• Increase automation, documentation quality, and decision consistency
• Provide strategic direction to underwriting and risk activities
• Support bank and funding partner relationships
• Manage one underwriter initially, with responsibility to scale the function over time

Success Measures
First 6 Months

• Refined credit policy and underwriting standards
• Improved documentation and decision criteria
• Increased automation in credit processes

12 Months

• Full ownership of credit direction and activities
• Scalable, repeatable credit frameworks in place

Longer Term

• Build and lead the full underwriting and credit organization

Candidate Profile

• Ideally 10+ years’ experience (strong candidates with 8+ years considered)
• Background in B2B payments, trade finance, or commercial credit
• Large bank experience acceptable (strong policy discipline valued)
• Comfortable in fast-paced, evolving environments
• Step-up candidates with strong technical capability and high potential encouraged

What Sets You Apart

• Clear and well-defined credit philosophy
• Proven ability to balance risk and growth
• Experience building or materially shaping credit frameworks
• Strong communicator with commercial and leadership teams

Culture Fit

• Entrepreneurial and improvement-oriented
• Comfortable building structure where none yet exists
• Excited by ownership and long-term impact