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Fintech Credit Underwriter Jobs (NOW HIRING)

Atlas

Head of Credit & Underwriting

New York, NY · On-site

We're backed by Y Combinator, Elad Gil, O1 Advisors, and other leading fintech and consumer ... the underwriting logic, and sitting with engineering to build the systems that make credit ...

Made Card

Credit Risk Manager

New York, NY · On-site

$100K - $110K/yr

... in fintech environments. * Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections * Hands-on experience with credit risk ...

Made Card

Credit Risk Manager

New York, NY · Remote

$100K - $110K/yr

... in fintech environments. * Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections * Hands-on experience with credit risk ...

NETO CAPITAL LLC

Be Seen First

Underwriter

Sunny Isles, FL · On-site

Review supporting documents and credit data; flag red flags, irregularities, and risk. * Prepare ... We're a South Florida-based fintech company rewriting how small and mid-sized businesses access ...

NETO CAPITAL LLC

Be Seen First

Underwriter

Sunny Isles, FL · On-site

Review supporting documents and credit data; flag red flags, irregularities, and risk. * Prepare ... We're a South Florida-based fintech company rewriting how small and mid-sized businesses access ...

Trovy Technologies, Inc

Director of Credit

New York, NY · On-site

$170K - $210K/yr

Deliver portfolio reporting to lending partners, investors, and internal leadership Qualifications * 7+ years of experience in credit, underwriting, or risk at a lender, bank, or fintech * Direct ...

Trovy

Director of Credit

New York, NY · On-site

$170K - $210K/yr

Deliver portfolio reporting to lending partners, investors, and internal leadership Qualifications * 7+ years of experience in credit, underwriting, or risk at a lender, bank, or fintech * Direct ...

Biz2Credit Inc

Underwriter

Manhattan, NY

$70K - $85K/yr

But we're more than just another FinTech company. We're a team of individuals who bring their ... Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk ...

Biz2Credit Inc

Underwriter

Manhattan, NY · On-site

$70K - $85K/yr

But we're more than just another FinTech company. We're a team of individuals who bring their ... Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk ...

Biz2Credit Inc

Underwriter

Manhattan, NY · On-site

$65K - $85K/yr

But we're more than just another FinTech company. We're a team of individuals who bring their ... Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk ...

Biz2Credit Inc

Underwriter

Manhattan, NY · On-site

$70K - $85K/yr

But we're more than just another FinTech company. We're a team of individuals who bring their ... Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk ...

RealPage, Inc.

WI · On-site

$140K - $239K/yr

Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting.

RealPage

Senior Director, Credit Risk Management

$140K - $239K/yr

Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting.

RealPage

Senior Director, Credit Risk Management

$140K - $239K/yr

Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting.

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Fintech Credit Underwriter information

See salary details

$46.5K

$87.3K

$148.5K

How much do fintech credit underwriter jobs pay per year?

As of Sep 10, 2026, the average yearly pay for fintech credit underwriter in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

What does a fintech credit underwriter do?

A Fintech Credit Underwriter is responsible for evaluating and assessing the creditworthiness of individuals or businesses applying for loans through financial technology platforms. They analyze applicants’ financial data, credit reports, and other relevant information using both traditional methods and advanced technology such as machine learning algorithms. Their goal is to make informed decisions about approving or denying credit, while minimizing risk for the lender and ensuring compliance with relevant regulations. Fintech Credit Underwriters play a crucial role in streamlining the lending process and improving access to credit in the digital economy.

What are the key skills and qualifications needed to thrive as a fintech credit underwriter?

To thrive as a Fintech Credit Underwriter, you need strong analytical skills, financial acumen, and a background in finance, economics, or a related field, often with a bachelor's degree. Familiarity with credit risk assessment tools, automated underwriting systems, and proficiency in data analysis platforms like Excel or SQL are typically required. Attention to detail, sound judgment, and effective communication are crucial soft skills for evaluating applications and collaborating with cross-functional teams. These skills ensure accurate credit decisions, minimize risk, and support the rapid pace and innovation of fintech environments.

How does a fintech credit underwriter typically collaborate with data scientists and software engineers in the loan approval process?

Fintech Credit Underwriters often work closely with data scientists and software engineers to optimize credit risk models and automate decision-making processes. Underwriters provide domain expertise on credit policies and risk factors, while data scientists use this input to refine predictive algorithms. Software engineers then help implement these models into the company’s digital platforms, ensuring efficient and accurate loan processing. This collaborative environment allows underwriters to influence technology while staying updated on the latest data-driven approaches in credit assessment.

What is the difference between Fintech Credit Underwriter vs Loan Processor?

AspectFintech Credit UnderwriterLoan Processor
Primary RoleAssess creditworthiness and approve or deny loan applicationsGather documents, verify information, and prepare loan files for approval
Required SkillsCredit analysis, risk assessment, financial analysisDocumentation review, data entry, customer communication
Work EnvironmentFintech companies, online lending platformsBank branches, lending offices, online platforms
Common CertificationsNone mandatory, financial or credit certifications beneficialNone mandatory, familiarity with loan processing software helpful

While both roles are involved in the lending process, a Fintech Credit Underwriter primarily evaluates credit risk and makes approval decisions, whereas a Loan Processor handles the documentation and prepares files for underwriting. The underwriter focuses on risk assessment, and the processor manages the paperwork flow.

What are popular job titles related to Fintech Credit Underwriter jobs?

For Fintech Credit Underwriter jobs, the most frequently searched job titles are:

Infographic showing various Fintech Credit Underwriter job openings in the United States as of September 2026, with employment types broken down into 100% Full Time. Highlights an 74% In-person, 5% Hybrid, and 21% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

Head of Credit & Underwriting

New York, NY • On-site

Atlas
See more jobs at Atlasexternal

Full-time

Re-posted 24 days ago

Atlas Technical Consultants rating

7.6

Company rating: 7.6 out of 10

Based on 26 frontline employees who took The Breakroom Quiz

284th of 454 rated engineering

Job description

Head of Credit
New York or San Francisco • In-office • Reports to VP of Finance
About Atlas
Atlas is the concierge charge card for high-net-worth individuals and their companies. We pair 24/7 concierge access with no-preset-limit spending, giving members entry to dining, travel, and experiences that are otherwise impossible to get. We've crossed $1B in annualized transaction volume.
We're backed by Y Combinator, Elad Gil, O1 Advisors, and other leading fintech and consumer investors. The team is lean and senior, with experience across Apple, Robinhood, and Rimowa.
The Role
  • You will own every decision about who gets an Atlas card, how much they can spend, and how we manage credit risk across a portfolio of the wealthiest consumers and businesses in America.
  • This is not a policy role. You won't write documents and hand them off. You'll be in the data, in the underwriting logic, and sitting with engineering to build the systems that make credit decisions in real time. You'll own line sizing for members who spend $50K to $500K a month and need spending power that flexes with their behavior, not a static number. You'll own the application flow so qualified members get approved fast and the rest get declined cleanly. And you'll own the facility relationships that fund the whole portfolio.
  • Atlas is a charge card, not a revolving card. Members pay in full every month, so the risk profile is fundamentally different and the strategy has to reflect that. If your instinct is to run standard FICO-based decisioning on a population of founders, family office principals, and PE partners, this isn't the right fit. Our members have complex income, concentrated assets, and thin traditional files. You need to be creative about how you assess them and confident making calls with imperfect data.

What you'll actually do
  • Own line sizing end to end. Build dynamic limits that expand with payment behavior and cash flow, not static tiers. A member who pays $200K on time every month should have more room than their starting line suggests. Automate it.
  • Own the application and onboarding pipeline. Work directly with engineering to cut time-to-decision. Pick the data sources (bureau, alternative, bank connectivity) that let us say yes faster to good applicants and catch risk earlier. Every day a good applicant waits is lost revenue.
  • Build the Atlas Business underwriting engine. Entity-based decisioning from Secretary of State records, business credit bureaus, bank data, and industry risk. No personal credit pulls, no personal guarantees.
  • Manage the credit facility. Partner with the VP of Finance on warehouse operations, covenant compliance, draw optimization, and lender reporting. Make sure we never slow down because of a funding-side constraint.
  • Own collections and loss mitigation. Build the early-warning systems, contact strategies, and recovery processes. Our loss performance is already better than Amex's, and your job is to hold that line as we scale.
  • Build loss forecasting and CECL models. Reserve estimates that satisfy auditors and lenders without being so conservative they drag the P&L.
  • Monitor the portfolio obsessively. Own the dashboards that let you, the CEO, and the board see exactly where risk sits at any moment: concentration, delinquency aging, cohort and vintage performance. You own the source of truth.

What you bring
  • 8+ years in credit risk, ideally starting at a major issuer (Amex, Chase, Capital One, Citi, Discover) and then moving into an operating role at a high-growth fintech where you had to build, not just manage.
  • You write SQL and you're comfortable in Python or R. You've built models, not just reviewed them. You can pull data, run the analysis, and ship a recommendation the same day without waiting on an analyst.
  • You understand charge card economics specifically, not just revolving credit, and how that changes everything from line sizing to collections timing.
  • You've worked with credit warehouse facilities: advance rates, eligibility, covenants, lender reporting. Helping negotiate or restructure one is a strong plus.
  • You've underwritten high-net-worth or affluent segments. You know a member with $20M in assets and a 720 FICO is not the same risk as a consumer with that score and $80K in income.
  • You've built infrastructure at a startup, not just optimized an existing one. You're comfortable with ambiguity, speed, and deciding with 70% of the information you'd ideally want.
  • You want to be in the details. You're not looking to manage a team of 20 and review their work. You want to own the outcome, build the systems, and hire a small team around you as the portfolio grows.
  • Bachelor's in a quantitative field (statistics, economics, math, engineering, CS) or equivalent depth of experience.

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