Underwriting Credit Analyst C11 Jobs

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. Plaid’s Partnerships team unlocks “one to many” relationships and product partnerships with technology platforms to allow more customers and consumers to benefit from Plaid’s solutions. This role will focus specifically on partnerships that unlock new markets and scale new use cases alongside our Credit Team. Our Credit Team is building the future of lending by making cash flow data as ubiquitous and trusted as traditional credit data. Our mission is to expand access to more affordable credit by empowering lenders with real-time financial data that improves risk assessment and decision-making at scale. In this role, you will lead partnerships that make it easier for lenders to adopt cash flow underwriting. The potential partner ecosystem is broad and includes the software platforms, capital providers, and other companies involved throughout the lending lifecycle. You will assess Plaid’s partnership needs, identify and prioritize strategic partners, develop creative commercial structures, and negotiate complex agreements. You will work closely with internal and external stakeholders across product, engineering, legal, go-to-market, and other functions to build partnerships that create meaningful valu

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team At Stripe, our Mexico City office is a vibrant hub at the forefront of our mission to reshape the financial landscape for businesses worldwide. Our team prioritizes collaboration, innovation, and excellence. As a member of the Mexico City team, you'll be part of a mission-driven community dedicated to enhancing the global economy and increasing the GDP of the internet. We strive for excellence by creating with craft and beauty, while having fun and celebrating our successes together. We cultivate a culture of collaboration, inclusivity, and support where every team member's voice matters. Our commitment shines through as we handle over a million support cases each year, empowering our users not just to solve problems but to achieve their goals. What you'll do The credit risk operations team plays a critical role in ensuring a healthy financial ecosystem for businesses around the world. This team will directly impact the company's bottom line and growth capabilities by supporting new and emerging businesses. The Credit Operations team is responsible for conducting credit risk assessments, underwriting small and mid-size users, and proposing mitigation strategies that enable Stripe to take smart risks for our users. Responsibilities • Work with merchants, from successful venture-backed startups to well-established institutions, evaluating their business models and financial statements • Help manage Stripe's portfolio by developing a deep under

Leiten komplexe Transformationsprogramme im Kreditgeschäft mit starker Governance, strukturierter Umsetzung und wirkungsvoller Stakeholder-Steuerung. Deine Rolle Als Principal Consultant – Project Manager im Bereich Credit & Capital Management übernimmst Du die Leitung wirkungsvoller Beratungsprojekte für führende globale Banken. Du trägst die Verantwortung für Programm-Mobilisierung, Delivery Governance, Abhängigkeitsmanagement und Stakeholder-Abstimmung in groß angelegten Transformationsinitiativen im Kreditumfeld. Die Rolle verbindet strategische Steuerung mit operativer Führung interdisziplinärer Teams. Deine Aufgaben Gesamtverantwortung für die End-to-End-Umsetzung komplexer Programme im Kredit- und Kapitalmanagement – von der Mobilisierung bis zur Implementierung Aufbau und Steuerung robuster Governance-Strukturen, Delivery-Pläne, RAID-Management und Reporting auf Management-Ebene Koordination von Business-, Technologie-, Daten-, Risiko- und Operations-Teams entlang des gesamten Kreditprozesses Steuerung von Entscheidungsprozessen, Lösungsfindung bei Herausforderungen und Sicherstellung der Stakeholder-Abstimmung in dynamischen, regulierten Umfeldern Unterstützung der Kundenführung bei Programmsteuerung, Wertrealisierung und Umsetzungsplanung zur Sicherstellung messbarer Ergebnisse Dein Profil Langjährige Erfahrung im Projekt- oder Programmmanagement im Finanzdienstleistungsumfeld, idealerweise im Kredit-, Lending- oder Risikotransformationsumfeld Fundiertes Verständnis von Kredit- und Kapitalmanagementprozessen (z. B. Origination, Underwriting, Portfolioüberwachung und regulatorische Anforderungen) Nachgewiesene Erfahrung in der Leitung groß angelegter Transformationsprogramme im Corporate-, Commercial- oder Wholesale-Banking Erfahrung mit agilen, hybriden oder klassischen Delivery-Methoden sowie in der Steuerung interdisziplinärer Teams Ausgeprägte Kommunikations-, Stakeholder-Management- und Delivery-Fähigkeiten, einschließlich Erfahrung mit Seni

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: As the Small Business Banking Credit Oversight Lead, you will drive independent oversight of the Bank's small business credit portfolio. In this role, you will ensure credit strategies, underwriting standards, portfolio performance, and risk management practices align with the Bank's risk appetite and regulatory requirements. Serving as a strategic advisor and credible challenger to senior leadership, you will proactively identify emerging risks, influence sound lending decisions, and champion a strong risk culture—all while maintaining second-line independence. What you’ll do: Provide End-to-End Oversight: Drive independent second-line risk oversight across the entire small business credit lifecycle, including originations, underwriting, servicing, and collections. Evaluate & Challenge Business Initiatives: Independently assess credit strategies, pricing, underwriting standards, and new products while providing credible challenge to first-line business partners with data driven analysis supporting risk and return. Monitor Portfolio Health: Track credit quality, loss performance, and key risk indicators (KRIs) to proactively flag areas requiring executive intervention. Identify Emerging Threats: Lead portfolio-level risk assessments to uncover emerging credit trends, risk con

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. The Credit team at Plaid builds lending solutions across the full lender lifecycle — including underwriting, verification, and servicing. We help lenders make faster, more informed decisions using consumer-permissioned financial data. Within Credit, the Insights team develops data-driven products including LendScore, Income Insights, CashFlow Insights, and Network Insights. These products power smarter credit decisioning for lenders of all sizes. As a Product Manager on the Insights team, you will drive execution across our portfolio of credit decisioning products. You’ll work closely with engineering and data science teams to ship high-quality product experiences, and partner with sales and marketing on go-to-market motions. You’ll report to the Insights product lead and play a critical role in ensuring we deliver on our roadmap commitments while maintaining the flexibility to pursue new product opportunities as they emerge. Responsibilities Own end-to-end execution of the product roadmap for LendScore, Income Insights, CashFlow Insights, Network Insights, and new Insights products Write product specs, define requirements, and work with engineering and data science to deliver features on schedule R

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam. Our Credit team at Plaid is building the largest cash flow based Consumer Reporting Agency (CRA) in the US to deliver lending solutions across the full lender lifecycle — including underwriting, verification, and servicing. We help lenders make faster, more informed decisions using consumer-permissioned financial data. As the Product Manager for our CRA Network team, you will grow the number of consumers that have permissioned their data to our CRA, Plaid Check. You will build a more robust experience for consumers to interact with the CRA and learn more about sharing cash flow data with lenders. Responsibilities Own and accelerate the growth and health of our CRA network Drive credit initiatives across the broader Plaid network Own consumer consent UX experience including conversion and improvements Build trust through our CRA consumer experience Qualifications 5+ years of product management experience Must have built and owned a lending product at a FinTech Experience working on a growth product - especially on a network product Deep understanding of the E2E lending process from acquisition to originations to servicing Excellent communication skills and the ability to advocate f

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role The Credit Engineering team builds the systems that enable Ramp to manage credit lifecycles for businesses end-to-end, from initial underwriting through ongoing portfolio strategy optimization. As an engineer on Credit, you’ll own systems that influence $100+ billion in annual payment volume through millions of decisions across our product stack in support of the most ambitious FinTech portfolio in the United States. We are looking for a backend engineer to own the technical roadmap for underwriting, limit management, portfolio optimization, and agentic workflows. You will build robust systems, automate complex operational tasks, and maintain the high-frequency controls that power all of Ramp’s products. If you are obsessed with correctness, excited by ambiguity, and passionate about problems at the intersection of distributed systems and financial strategy, this role is for you. What You'll Do Architect scalable, stateful systems for automated limit management to optimize Ramp’s charge card portfolio. Envision and build the next gene

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX or Charlotte, NC. You’ll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment. The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation. You’ll thrive in a collaborative, metrics-driven culture focused on member experience, quality, and accountability. What You’ll Do Review and underwrite mortgage applications using investor/GSE guidelines. Perform detailed analysis of borrower credit, income, and collateral — including complex and self-employed income calculations. Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses). Make timely, compliant underwriting decisions in line with SoFi and investor standards. Manage a high-volume pipeline, balancing quality (QC) and production SLAs — goal of 5+ new credit decisions per day. Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow. Identify and escalate potential fraud risk or guideline exceptions. Apply deep working

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: We are seeking an experienced Senior Manager, Secured Commercial Real Estate Lending to help lead SoFi Bank’s secured commercial real estate lending function. This role will oversee complex workflows across the commercial lending lifecycle, including origination, underwriting, credit administration, portfolio management, servicing coordination, and ongoing portfolio monitoring. This leader will be responsible for driving day-to-day execution, operational planning, resourcing, KPIs, KRIs, credit strategy implementation, portfolio discipline, and risk monitoring for the secured commercial real estate lending unit. The Senior Manager will partner closely with Credit, Risk, Operations, Finance, Legal, Compliance, Servicing, and senior leadership to ensure the function operates with strong governance, sound credit judgment, scalable processes, and clear accountability. The ideal candidate is a seasoned commercial lending and credit leader with deep expertise in secured commercial real estate lending, strong problem-solving skills, and experience leading complex workflows across teams or business environments. What you’ll do: Lead complex commercial lending workflows Lead key workflows across the secured commercial real estate lending lifecycle, including originations, underwriting, credit administratio

About the Team Financial Services at Meesho is building one of the largest digital lending businesses for Bharat. As we scale to millions of users, the next phase of growth will be defined by how intelligently we manage credit performance across the lifecycle — from underwriting to repayment and recovery. The DARC (Data Science, Analytics, Risk & Collections) team acts as the decisioning engine for this business — combining data, risk, and systems thinking to drive portfolio outcomes. About the Role: Credit Portfolio Optimization This is a high-ownership, high-impact role focused on maximizing portfolio performance post-disbursement. You will act as the central problem solver for credit performance — identifying where we are losing money across the repayment lifecycle, diagnosing root causes, and designing interventions that improve outcomes at scale. This is not a collections or operations role.This is a strategy + systems role with direct impact on metrics like NCL, cure rates, cost-to-recovery, and customer lifetime value.

About Paytm Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help consumers and small businesses with payments, commerce, and credit. Paytm's mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. Role Overview We are looking for an early-career Product Manager to join Paytm Lending. The role is about re-imagining how a lending business runs, from underwriting and risk to operations and customer journeys, using LLMs and AI agents. It is a hands-on role. You will dig into data, edge cases, and day-to-day operational problems to understand them from the ground up before designing solutions. We are looking for first-principles thinkers who enjoy building with LLMs and like going deep on real problems. Key Responsibilities - Identify workflows across lending (underwriting, risk, recon, operations, collections) where LLMs and agents can add value, and judge where they cannot. - Build and ship product solutions from prototype to production, working closely with engineering. - Dig into data, edge cases, and operational detail to understand problems at the root. - Partner with stakeholders across risk, operations, engineering, and business to align priorities and drive delivery. - Write clear product requirement documents and manage roadmaps and deliverables. - Use data to define hypotheses, run experiments (A/B), and track impact; use SQL or Excel to access and validate data independently. - Track key product and data metrics (OKRs and KPIs) and adjust strategy as needed. Requirements - Bachelor's degree in engineering, computer science and/or related field with MBA from top tier colleges. - 2 to 4 years of professional experience in product management, product analytics, or a similar role, with a strong customer-first mindset. - Genuine, hands-on experience building with LLMs.

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: The Single-Family Law Department in the Freddie Mac Legal Division is seeking a collaborative, team focused attorney to join its legal staff as Assistant General Counsel. The attorney will support the single-family mortgage acquisition activities of Freddie Mac, including contract negotiations and drafting, written communications to the industry, internal and external training activities and communications, quality control matters, and new initiatives involving underwriting and purchasing single-family mortgages. Our Impact: Attorneys in the Single-Family Law Department of Freddie Mac’s Legal Division are key advisors to our business colleagues in the development and implementation of policies that support affordable and sustainable housing as part of Freddie Mac’s mission of making home possible. Your Impact: The Legal Division is committed to providing quality and timely advice and representation responsive to client needs on a variety of matters affecting Freddie Mac. As Assistant General Counsel in the Single-Family Law Department, you will: Advise internal clients on mortgage eligibility, credit policies and Freddie Mac Single-Family Seller/Servicer Guide (the “Guide”) matters, including lender eligibility; mortgage purchases; mortgage loan documents and forms; representations, warranties, covenants and remedies relating to lo

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: Are you an analytical, curious, self-motivated professional with a passion for multifamily real estate? If so, Freddie Mac might be the employer for you! We are looking for a Multifamily Asset Management Senior to join the Structured Transactions group. This group falls within Special Servicing and handles asset management related functions for our (i) Low Income Housing Tax Credit ( LIHTC) investments and (ii) most complex portfolio and securitized assets, including bond transactions and revolving lines of credit. These transactions represent a significant commitment to some of Freddie Mac’s most meaningful corporate affordability objectives. The successful talent will analyze, process, and manage a variety of consent requests, complete underwriting analysis, and work with legal counsel as appropriate. In addition, you will exercise delegated approval authority for certain credit decisions on regular requests and recommend to management for circumstances that exceed their respective levels of authority. Our Impact: Our team is responsible for asset management coverage of all LIHTC investments and structured loan products, and balance sheet loans We seek to timely fulfill our commitments and asset management functions on LIHTC investments and maintain high credit quality on requests for existing loans and structured deals Your Impact: You will bring LIHTC asset management experience and you will: Manage a team and exercise delegated approval authority for LIHTC functions

About the Team Would you like to be part of creating a unicorn within a unicorn? Solve some of the biggest challenges facing financial inclusion of Bharat? Well, then here's your chance! Financial Services (FS) is one of the biggest new bets we are taking at Meesho on the next 10x horizon opportunity for us. Just as Ant Financial did for Alibaba, and Mercado Pago did for Mercado Libre, our vision is to build financial services for Meesho, becoming our key growth and revenue driver. We have found our Product-Market Fit, built and proved 0-1 and 1-10 journeys. Now looking for someone who can be the founding member of a 10-100-1000 journey, and this is possibly one of the most exciting and enriching experiences one could consider in their career. About the Role Meesho FS runs two lines of business: SME Lending, which offers Business Loans, and User Lending, which offers BNPL and Personal Loans (PL). User Lending is now our primary focus in this phase of our FS journey. We have 274Mn ATU, and risk management is at the core of building any sustainable credit business at scale - our being a captive audience means both Growth and Risk are an outcome of underwriting, which is owned by the Risk team. Herein also lies one of our biggest challenges: how do we assess the risk of borrowers without any credit history or income data? How can we leverage alternative information to better profile borrowers? How can we leverage our platform uniquely to create a sustained competitive advantage? This person will be responsible for driving the analytics behind these questions for User Lending - creating analytical frameworks, developing high quality analysis, driving insights and actions, and recommending policy decisions, across a well-established BNPL portfolio and a Personal Loans portfolio that is still scaling. Your role will focus on: Owning the risk for one or more segments of the portfolio while maintaining a healthy growth. Analyzing credit policies using Meesho platform data,

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. Retail Production Assistant SoFi is seeking a proactive, high-energy Production Assistant to serve as the backbone for our top-producing Retail Mortgage Loan Originators (MLOs). In this role, you aren’t just a support player; you are the engine that keeps the loan origination process moving. You’ll act as the primary bridge between borrowers, realtors, and our internal operations team, ensuring every file is structured for success from day one. If you are detail-focused, tech-savvy, and thrive in a fast-paced environment, we want to talk to you. What You’ll Do Business Development & Retention: Develop and execute targeted marketing strategies to engage the existing book of business for client retention, while proactively building relationships with prospective clients and key centers of influence to drive new-to-bank growth. Loan Structuring & Analysis: Pull and analyze credit reports, review income/asset documentation, and assist MLOs in determining the optimal loan structure for clients. Pipeline Management: Run Desktop Underwriter (DU), stack files for submission, and proactively request/clear underwriting conditions to ensure "on-time" closings. Client Advocacy: Serve as the primary point of contact for borrowers and realtors, providing status updates and maintaining a seamless white-glove