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Mesh Payments is seeking an Associate Director of Credit Underwriting & Operations to build and lead the credit function from the ground up. You will own the credit portfolio end-to-end, shape credit strategy for a diverse base of B2B customers (including global enterprises and publicly traded companies), and manage Mesh's partnership with its warehouse bank.
Key responsibilities include:
- Building and leading Mesh's credit function, owning the credit portfolio end-to-end, including setting and adjusting credit limits, monitoring trends, and driving proactive portfolio actions
- Managing the partnership with Mesh's warehouse bank as the primary point of contact for portfolio reporting, diligence, and ongoing facility requirements
- Designing and refining underwriting and portfolio-risk strategies and scalable decisioning frameworks across lending products, industry segments, and customer profiles using quantitative techniques, internal and external data, and financial analysis
- Conducting forecasting, loss modeling, portfolio performance analysis, and due diligence for new programs and credit initiatives
- Owning credit policy, leading enhancements from design through execution and impact measurement
- Building and improving operational credit workflows with Sales, Customer Success, Operations, Finance, and Compliance, driving control, automation, and efficiency
- Presenting portfolio insights, trends, and recommendations to C-level leadership to inform strategic decisions
- Engaging directly with customers, supporting diligence and onboarding for enterprise and global companies
- Leading the evolution of Credit from a pure risk-minimization function into a driver of profitable growth and an incubator of new product initiatives
This role requires deep credit expertise, fluency with data, and the ability to independently lead complex, cross-functional initiatives. You will work closely with cross-functional partners and C-level leadership, with the opportunity to influence strategy at the highest levels.
Requirements:
- 4+ years of commercial credit underwriting, ratings, or related functional experience, including 1+ years of credit operations experience
- Experience building and managing a credit program, including risk appetite frameworks, credit policies, and forward-looking forecasts that leverage internal portfolio, macroeconomic, industry, and external data
- Experience working with warehouse lenders, bank partners, or other credit funding partners (strong plus)
- Knowledge of business credit risk trends and first-party and third-party fraud risks
- Strong analytical skills and prior experience leveraging large and complex datasets to drive business decisions
- Commercial card, B2B credit, and/or travel industry credit risk management (plus)
- Hands-on experience in a fintech/startup environment
- Creative and strategic thinking combined with operational excellence and sound judgment on complex, non-standard credit cases
- Strong partnership and communication skills, with proven success working with sales, client management, product, and operations, and with stakeholders of varying business goals and technical knowledge
