Order.co is a guided B2B marketplace with a mission to simplify buying for businesses. Order.co makes it easy for businesses to place and track purchases across all their vendors, control spend, and make payments in a single, consolidated bill. Tailored insights and purchasing recommendations fuel smarter spending decisions so businesses can easily save time and money on what they need to grow.
Founded in 2016 and headquartered in New York City, Order.co oversees nearly half a billion in annualized spend across hundreds of customers like WeWork, SoulCycle, Lume, and High-Level Health. Order.co has raised $50M in funding from industry-leading investors like MIT, Stage 2 Capital, Rally Ventures, 645 Ventures, and more. Order.co has been proudly named a 50 to Watch by Spend Matters and a Best Place to Work by BuiltIn and Inc. Magazine.
Role OverviewWe are seeking a Director of Credit & Risk to own underwriting strategy, portfolio performance, and lender-facing execution for Order.co’s credit offering.
This role reports into the Head of Payments & Credit and operates as the day-to-day owner of the credit function. You will be responsible for building the systems, policies, and operating rigor required to evolve our current underwriting approach into a more scalable, programmatic credit engine.
This is an individual contributor role with light team oversight (analyst/associate level), designed for a senior operator who can both set direction and personally drive outcomes across the credit lifecycle.
You will play a critical role in shaping how Order.co deploys capital, manages risk, and builds credibility with institutional lenders.
Role ExpectationsCredit Strategy & Policy Development- Design and formalize underwriting policies, approval frameworks, and risk thresholds.
- Translate business objectives into clear, scalable credit decisioning logic.
- Continuously evolve policy based on portfolio performance, loss trends, and growth targets.
- Own end-to-end portfolio health, including approval rates, utilization, delinquency, and loss performance.
- Build and maintain core reporting (cohort analysis, vintage tracking, unit economics).
- Identify emerging risk signals and take proactive action to protect portfolio performance.
- Serve as a primary interface with external lending and trade credit partners.
- Lead recurring performance reviews, reporting, and data discussions.
- Ensure compliance with relevant agreements and proactively manage covenant performance.
- Translate internal portfolio data into clear, credible narratives for institutional stakeholders.
- Personally underwrite and approve complex or high-value accounts.
- Conduct deep analysis of customer financials, business models, and risk profiles.
- Structure credit decisions that balance growth with disciplined risk management.
- Establish SOPs, QA processes, and decisioning frameworks to ensure consistency and scalability.
- Provide guidance and oversight to junior underwriting and operations team members.
- Implement processes that reduce manual work while improving decision quality.
- Partner with Product, Engineering, and Data teams to improve underwriting workflows and automation.
- Collaborate with GTM and Operations on customer-level decisions and escalations.
- Provide input into product and infrastructure decisions that impact credit performance.
- 8–12+ years of experience in commercial credit, underwriting, or asset-backed lending.
- Strong experience interacting with institutional lenders or capital providers.
- Proven ability to design or evolve credit policies and underwriting frameworks.
- Deep understanding of portfolio analytics, including loss drivers and performance segmentation.
- Experience operating in a high-growth or evolving environment where structure is still being built.
- Ability to operate as a hands-on individual contributor while influencing across teams.
- Competitive compensation including base salary and equity
- Employer-sponsored 401(k) with match
- Comprehensive medical, dental, and vision coverage
- Flexible time off and hybrid work environment
- Opportunity to build and scale a critical function at a high-growth fintech company
The anticipated annual salary range for this role is $190,000–$220,000. Actual compensation and title will be commensurate with experience, qualifications, knowledge, and skills.
Skills Required
- 8-12+ years of experience in commercial credit, underwriting, or asset-backed lending
- Strong experience interacting with institutional lenders or capital providers
- Proven ability to design or evolve credit policies and underwriting frameworks
- Deep understanding of portfolio analytics, including loss drivers and performance segmentation
- Experience operating in a high-growth or evolving environment
- Ability to operate as a hands-on individual contributor
What the Team is Saying
Order.co Compensation & Benefits Highlights
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Healthcare Strength — Healthcare includes medical, dental, and vision coverage, plus memberships to Wellhub and Talkspace for fitness and mental health support. Employer materials position these as part of a comprehensive health and wellness offering.
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Retirement Support — Retirement support includes a 401(k) with employer match as part of the package. This is consistently listed across the company’s careers information and third‑party profiles.
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Parental & Family Support — Parental leave is described as generous and available from day one for birthing and non‑birthing parents, with mentions of childcare benefits. These provisions sit alongside remote‑first flexibility and other family‑friendly policies.
Order.co Insights
What We Do
Order.co is the System of Action for the Office of the CFO, transforming the way businesses purchase and pay into an intuitive, B2C-like shopping experience. Order.co leverages embedded AI agents and embedded financial products to reinvent the way businesses connect with their vendors. End users enjoy a seamless, zero-training buying experience, while finance and procurement leaders gain a single platform to orchestrate how the business “should operate”. The result is an all-in-one solution that serves as a gravitational pull for spend and data, automating and eliminating procurement and finance workflows from requisition to reconciliation along the way. Order.co is on the cutting edge of B2B Agentic Commerce, poised to be the market leader in creating a more predictive, prescriptive, and personalized experience for users. Founded in 2016 and headquartered in New York City, Order.co oversees nearly half a billion in annualized spend across hundreds of customers like WeWork, SoulCycle, Lume, and [solidcore]. Order.co has raised $75M in funding from industry-leading investors like MIT, Stage 2 Capital, Rally Ventures, 645 Ventures, and more. Order.co has been proudly named a 50 to Watch by Spend Matters and a Best Place to Work by BuiltIn and Inc. Magazine.
Why Work With Us
With our core values as our North star, Order.co and its team work tirelessly to foster an inclusive, psychologically safe environment where team members are empowered to do their best work. We pride ourselves on solving hard problems in order, with humility, and most importantly, together.
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Order.co Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
Team members at Order.co are empowered to make the best decision for themselves regarding where they work, whether from home, the office, or otherwise!
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