Underwriting Lead

The role

The Underwriting Lead will make high-quality credit decisions and build a consistent underwriting operating rhythm. This role involves underwriting complex businesses and improving the decisioning system.

What you will do

• Underwrite new accounts and material exposure changes using financial statements, bank and transaction data, bureau information, business profile, ownership information, and relevant internal signals.
• Prepare clear credit memos and recommendations.
• Exercise delegated authority where granted and escalate exceptions or complex cases under the credit policy.
• Own application queue health, document collection, decision turnaround, rework, and escalation.
• Establish operating metrics and investigate bottlenecks.
• Drive consistent decision documentation, reason codes, approval conditions, and exception tracking.
• Conduct regular calibration and quality reviews.
• Partner with Product, Engineering, Data, Fraud, Legal/Compliance, Operations, and program partners.
• Train and coach future underwriting team members.
• Create durable procedures, examples, and decision standards.

Required qualifications

• 5+ years of commercial credit underwriting experience
• Demonstrated ability to analyze business financial statements, cash flow, liquidity, leverage, repayment capacity, bank activity, and bureau or alternative data
• Sound judgment in ambiguous cases
• Track record of writing concise, defensible credit recommendations
• Experience operating within credit policy, delegated authority, exception governance, and regulated or bank-partner environments
• Operational discipline and strong cross-functional communication

Nice to have

• experience with SMBs, commercial cards, working-capital products, or fintech lending

Benefits

• Competitive base salary
• Equity in a high-growth company
• Best-in-class health, dental, and vision insurance
• Unlimited PTO
• Daily in-office meals
• Transportation support

Before you apply

• Please apply only if you are able to meet the requirement of being in-person in the New York City office five days per week

About the company

Slash is building the future of business banking by creating financial infrastructure tailored to how businesses operate. Started in 2021, Slash is a fast-growing fintech headquartered in San Francisco with offices in New York and Miami.