Financial Underwriting Lead in United States

About the team OpenAI’s Forward Deployed Engineering team partners with banks, asset managers, insurers, and private capital firms to deploy production-grade AI systems in high-stakes financial environments. We operate at the intersection of customer delivery and core platform development, embedding deeply with customers to translate frontier model capabilities into reliable, auditable systems that create measurable business impact. Our work turns early deployments into repeatable solution patterns, operating standards, and evaluation practices that scale across regulated financial institutions. About the role We are hiring a Forward Deployed Engineer (FDE) to lead end-to-end deployments of OpenAI’s models inside financial services organizations where correctness, latency, explainability, and control matter. You will work with customers who are experts in investment banking, trading, risk, compliance, underwriting, research, operations, or investment decision-making, translating complex workflows, data constraints, and regulatory requirements into production systems. You will measure success through production adoption, workflow efficiency, risk reduction, revenue impact, and evaluation-driven feedback loops that inform product, model, and GTM strategy. You’ll work closely with Product, Research, GTM, Security, Legal, and GRC to deliver systems that meet enterprise standards for governance, auditability, and operational resilience. You will also play a central role in shaping OpenAI’s Financial Services offering — identifying high-value use cases, defining solution patterns, and building the first repeatable deployments that scale across institutions. Learn more about some of our work with financial institutions . This role is based in New York. We use a hybrid work model of 3 days in the office per week. We offer relocation assistance. Travel up to 50% may be required. In this role, you will Design and ship production AI systems around models, owning integrations,

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. We believe Plaid has the power to be the next-gen Credit Bureau - supporting large scale adoption of cash flow into the credit underwriting process. The Credit Decisioning platform team is responsible for building best-in-class cashflow based insights products that enable lenders to make more holistic lending decisions and empower broader access to Credit products for prospective borrowers. We own the systems and tooling that form the platform to build and serve these insights at huge scale, partnering with our Data partners to release new products yearly. You will be defining the future architecture of Credit insights products and executing against an ambitious product roadmap. You will partner with our Product, Data Science, and Machine Learning team to iterate on and productionize new insights that enable our customers to make more holistic lending decisions. Responsibilities: Leading technical architecture and execution across credit insights products: everything from data fetching and online feature serving for API requests, to offline production pipelines and tooling for model training. Scaling and evolving the architecture through an expected ~100x increase in load from deterministic factors

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 The Risk Data Science team builds the data foundations, models, and measurement frameworks that power Stripe's risk and product decisions — from underwriting and reserves to merchant interventions and enablements. We're at an inflection point: as Stripe increasingly offers risk capabilities as a product to platforms and users, we need a data leader to shape how we build, measure, and evolve our risk data strategy across the What you’ll do We are looking for an experienced data analyst to drive the data strategy for our risk as a product offering. Define the metrics, data products, and analytical frameworks needed as Stripe brings risk capabilities to platforms and connected accounts at scale. Partner with Product, Engineering, and Risk leadership to ensure data investments align with the product roadmap. You will design metrics, pipelines, and data products that serve as the analytical backbone for risk decisioning. You will own the definition, reliability, and visibility of our most important risk metrics. Establish a canonical set of north star and operational metrics and ensure they are trustworthy, well-documented, and consistently surfaced to the right audiences. Build and maintain the infrastructure that keeps these metrics accurate as our data and product landscape evolves, including clear ownership, alerting on regressions, and scalable pipelines that reduce the cost of keeping insights current. You will also own and evolve Str

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 a Staff Credit Policy Analyst for Home Loans will lead the design, governance, and continuous evolution of SoFi’s credit policy framework across Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products. This leader will own the strategic direction and operational oversight of credit policy development, ensuring all underwriting criteria are risk-aligned, investor-compliant, and digitally executable. You will serve as a key partner to Risk, Capital Markets, Product, and Operations—driving clarity, consistency, and scalability across all credit decisioning processes. In this role, you will provide strategic oversight of policy research, system automation, and audit readiness while fostering innovation in digital underwriting and credit enablement. What You’ll Do Credit Policy Leadership & Strategy Lead the end-to-end lifecycle of SoFi’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectives. Define and manage the credit policy governance framework, including approval processes, documentation standards, and version control practices. Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments. Oversee the roadmap for credit automation and deci

We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time. Position Summary **Qualified candidates will sit in either Texas or Atlanta, Georgia area due to book of business** The NAT Accounts Senior Director of Account Management leads a team of Account Executives supporting large, complex National Accounts. This leader is responsible for customer retention, profitable growth, client satisfaction, account strategy, and effective execution across an assigned portfolio. The Senior Director partners with Sales, Client Management, Underwriting, Operations, Network, Clinical, Product, and other enterprise teams to address customer needs, manage business risks, and deliver measurable value. The role requires strong healthcare-industry knowledge, sound business judgment, executive-level communication, and the ability to lead through a complex organization. **In addition to a base salary, this opportunity is eligible for Sales Incentive Compensation + Stock options* * What you will do Lead, coach, and develop a high-performing team of Account Executives. Establish clear priorities, performance expectations, and accountability across the team. Oversee customer strategies focused on retention, growth, financial performance, member experience, and client satisfaction. Identify customer and portfolio risks early and lead the development of mitigation plans. Build

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’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time. Position Summary : This Underwriting role is for Meritain Health, an independent subsidiary of Aetna and CVS, and one of the nation's largest employee benefits administrators. We have the resources of a national carrier coupled with the unique flexibility and devoted service of a third-party administrator (TPA). The Meritain Health underwriting department supports the attainment of organizational goals through the issuance of prospective and existing business quotations and proposals. Including administrative fee pricing, stop loss, RFP questionnaire responses, and plan consultation. This fully-remote position will have the opportunity to work on a diversified book of business including Mid-Market and our Captive/Alternate channels. Responsibilities Include: Provide guidance and consultation to our Sales and Client Management teams on pricing and stop loss strategies Prepares and issues quotations and other financial deliverables for prospective and existing business while meeting established departmental TAT goals. Prepares financial projections on prospects utilizing financial models in Excel and Salesforce. Marketing and placement of stop loss policies, negotiating terms based upon claims data, strategy, relationships. and cost avoidance/reduction efforts. Works with leaders from key functional areas to understand p

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 Stripe Capital provides access to fast, flexible financing to small-and-medium businesses on Stripe to accelerate their growth, and we lent over $1B in 2024. Businesses use the funds for marketing, team growth, geographic expansion, working capital, new equipment purchases, and much more. Machine learning is core to Stripe Capital’s business—we use information about businesses from their activity within and outside of Stripe and our models to automatically underwrite uniquely tailored financing offers to their needs, which banks are often unable to do. We are doing so through models with an established performance history, data infrastructure that is Stripe scale, and a strong feedback loop that includes explainability, anomaly detection and a risk portfolio management layer. We're an end-to-end team going from ideas to models to shipping in production. What you’ll do As a machine learning engineer for Stripe Capital, you'll be responsible for designing, building, training, evaluating, deploying, and owning ML models in production with the goals of providing financing opportunities to as many users as possible while satisfying financial performance goals. You'll work closely with software engineers, data scientists, product managers, and risk managers to operate Stripe’s ML powered systems, features, and products. You'll also contribute to and influence ML architecture at Stripe and be a part of a larger ML community. Responsibilities Design

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with revenues from $100 million to $3 billion. In this role, you will sit at the center of the lending process — assessing credit risk, structuring financing solutions, and partnering directly with relationship bankers and independent risk teams to deliver best-in-class outcomes for clients. Your decisions will directly shape the credit quality and performance of a significant commercial lending portfolio for the Digital, Technology & Communications (DTC) vertical. Responsibilities Manage the end-to-end credit underwriting process for new and existing commercial relationships, from initial pre-screening and credit appetite assessment through to approval, documentation, and ongoing portfolio oversight. Assess the creditworthiness of commercial borrowers by conducting detailed financial statement analysis, cash flow modeling, trend, and ratio analysis, and evaluating complex business structures including those with international subsidiaries. Prepare comprehensive written credit analyses that articulate the financing need, key risk factors, structural considerations, and a well-supported credit recommendation. Monitor existing borrowers through monthly and quarterly financial reviews, tracking covenant compliance, identifying early warning indicators, and escalating emerging concerns to relevant stakeholders. Oversee the loan documentation process for new transactions and amendments, coordinating with internal partners and external legal counsel to ensure all approval terms are accurately reflected in closing documents. Maintain regulatory compliance across the portfolio by ensuring accurate risk ratings, appropriate classification, and adherence to all applicable credit policies and regulatory framewor

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 The Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada, and is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. We partner closely with Stripe's engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and manage credit risk. If you are interested in joining a fast-growing organization and applying your experience to shape the future of Stripe, we encourage you to apply. What you’ll do As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives. Responsibilities Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products. Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions. Collabor

We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time. CVS is looking to add a Sr Analyst, Pharmacy Underwriter. In this role, you would be responsible for supporting both new business and renewal case specific ASC (self-insured) Pharmacy Pricing, as well as developing financial offers that are both competitive and profitable. In this role, you would provide support with financial responses for Request For Proposal questionnaires. The ideal candidate is able to anticipate customer needs and requirements as well as to facilitate and negotiate using tact and diplomacy. They will be involved in training, projects, and mentoring others. Works primarily on complex or high visibility cases, markets or underwriting methods. **Candidates must have both underwriting and pharmacy experience** Additional Responsibilities are: Identifies training issues and recommends a course of action. Leads process improvement initiatives to improve productivity, accuracy and/or customer service and influences tool development Provides superior customer service Mentors and trains underwriting staff Ensures team members have the information to do their jobs Understands, applies and explains company services, product standards, underwriting policies, strategic direction and new initiatives relative to unit's responsibilities <

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

Become a part of our caring community The Financial Analytics Professional 2 manages data to support and influence decisions on day-to-day operations, strategic planning and specific business performance issues. The Financial Analytics Professional 2 work assignments are varied and frequently require interpretation and independent determination of the appropriate courses of action. The Financial Analytics Professional 2 collates, models, interprets and analyzes data in order to identify, explain, influence variances and trends. Explains variances and trends in clinical and financial data and enhances modeling techniques to improve forecast accuracy. May possess financial or actuarial background. Understands department, segment, and organizational strategy and operating objectives, including their linkages to related areas. Makes decisions regarding own work methods, occasionally in ambiguous situations, and requires minimal direction and receives guidance where needed. Follows established guidelines/procedures. Use your skills to make an impact Required Qualifications Bachelor's Degree 1&#43; years SQL and Python experience Microsoft Office (Excel, Power BI, etc.) Experience in compiling, modeling, interpreting and analyzing data in order to identify, explain, influence variances and trends Explain variances and trends and enhance modeling techniques Experience in managing data to support and influence decisions on day-to-day operations, strategic planning and specific business performance issues Must be passionate about contributing to an organization focused on continuously improving consumer experiences Preferred Qualifications Business Intelligence, Financial, or Actuarial background Azure Databricks experience</