In this role you will...
- Define our credit policy, exposure limits, and risk‑based pricing frameworks for both installment and revolving products.
- Identify, vet, and integrate third‑party data sources (banking, accounting, alternative data, KYC/KYB, fraud signals).
- Build and iterate automated decision engines; set score‑card cutoffs, override rules, and second‑look paths.
- Lead complex manual underwrites on higher‑risk or higher‑exposure deals; coach analysts on financial‑statement analysis and covenant structuring.
- Develop early‑warning and portfolio‑monitoring dashboards; partner with Collections on triggers and loss‑mitigation tactics.
- Collaborate with Product & Engineering to embed credit logic into our platform and ensure flawless customer experience.
- Stay ahead of regulatory guidance (UDAAP, ECOA, fair lending) and align policies accordingly.
You have...
- 7 - 10 years of experience in credit risk underwriting strategy for SMB and/or mid‑market lending, card, or BNPL platforms.
- Experience using analytical tools like SQL, Python, R or similar.
- Bachelor's degree in related field preferred.
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What We Do
Gynger is a cash flow management solution with embedded financing that gives B2B technology vendors the power to offer flexible payment terms to customers while securing up front payment. With Gynger, finance leaders can leverage a combination of actionable insights and capital to optimize day-to-day cash flows, accelerate deal flows, mitigate risk, and execute long term strategic vision with ease. In 2024, Gynger announced its $20 Million Series A funding led by PayPal Ventures. Additional world-class investors include Gradient Ventures (Google’s AI-focused venture fund), Velvet Sea Ventures, BAG Ventures, Deciens, Vine Ventures, Upper90, Quiet Capital and m]x[v Capital. Gynger was founded in 2021 by serial entrepreneur Mark Ghermezian, who co-founded Braze (BRZE) and served as its first CEO, pioneering a new category that led to the company's IPO in November 2021. Based in New York, Gynger has been recognized as one of Built In's 2026 Best Places to Work.
Why Work With Us
We offer... (1) The opportunity to join one of the fastest growing fintech/SaaS companies in NYC. (2) A tight-knit, collaborative team who are passionate about building startups. (3) Competitive salary, equity, flexible PTO, and robust benefits (medical, dental, vision etc.). (4) Built-In 2024, 2025, and 2026 "Best Places to Work.”
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Gynger Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
NYC Positions - 4 days/week in office, Friday WFH -- SF Bay Area Positions - 100% remote. Will require some shared office days and/or travel for team/company gatherings. -- Israel Positions - Hybrid. Requires some shared office days in Tel Aviv.
