We are seeking an Associate Director of Credit Underwriting & Operations to build and lead the credit function at Mesh. In this role, you will shape the future of corporate payments through data-driven insights, strong controls, and automation, and set the credit strategy for a diverse base of B2B customers, including global enterprises and publicly traded companies.

You will own the credit portfolio and credit outcomes end-to-end and manage Mesh’s partnership with its warehouse bank. 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.

What You’ll Do:

• Build and lead Mesh’s credit function, owning the credit portfolio end-to-end, including setting and adjusting credit limits, monitoring trends, and driving proactive portfolio actions
• Manage the partnership with Mesh’s warehouse bank, serving as the primary point of contact for portfolio reporting, diligence, and ongoing facility requirements
• Design and refine 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
• Conduct forecasting, loss modeling, portfolio performance analysis, and due diligence for new programs and credit initiatives
• Own credit policy, leading enhancements from design through execution and impact measurement
• Build and improve operational credit workflows with Sales, Customer Success, Operations, Finance, and Compliance, driving control, automation, and efficiency as the business scales
• Present portfolio insights, trends, and recommendations to C-level leadership to inform strategic decisions
• Engage directly with customers, supporting diligence and onboarding for enterprise and global companies
• Lead the evolution of Credit from a pure risk-minimization function into a driver of profitable growth and an incubator of new product initiatives

What You’ll Bring:

• 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 is a 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 is a plus
• Hands-on experience in a fintech/startup environment
• You combine creative and strategic thinking 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

Benefits (for U.S.-based employees)

• Dental & Vision Benefits
• Disability & Life Insurance
• Flexible Spending Account (FSA)
• Parental Leave
• Unlimited Vacation Policy
• Company equity
• Hybrid and flexible
• 401K (US)

Sounds like your kind of challenge?

Send your resume to mesh-jobs@meshpayments.com, and let’s talk!