Credit & Underwriting Analyst
Credit & Underwriting Analyst
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$ 135 - 170
1 Vacancy
Job Description
About Us:
At Parafin were on a mission to grow small businesses.
Small businesses are the backbone of our economy but traditional banks often dont have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on.
We partner with companies like DoorDash Amazon Worldpay and Mindbody to offer fast and flexible funding spend management and savings tools to their small business users via a simple integration. Parafin takes on all the complexity of capital markets underwriting servicing compliance and customer service for our partners.
Were a tight-knit team of innovators hailing from Stripe Square Plaid Coinbase Robinhood CERN and more all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC Notable Capital Redpoint Ventures Ribbit Capital and Thrive Capital. Parafin is a Series C company and we have raised more than $194M in equity and $340M in debt facilities.
Join us in creating a future where every small business has the financial tools they need.
About the Role
As a Credit & Underwriting Analyst at Parafin youll help shape how we assess monitor and extend credit across our suite of financial products. You will work closely with our Risk Product Data and Finance teams to develop and iterate on underwriting strategies that balance smart credit decisions with access and flexibility for small businesses. This is a highly cross-functional analytical role that sits at the heart of Parafins mission.
Youll influence how we underwrite new credit products evaluate risk signals and refine policies to scale responsibly while keeping small business needs front and center.
What Youll Be Doing
Conduct deep-dive analysis into credit performance and loss trends to inform underwriting policies and own the process of financial review on large merchants
Support the launch of new products by designing scalable compliant credit operations and infrastructure
Drive KPI development to monitor the health of our credit book and operational effectiveness
Work with compliance and legal teams to ensure our underwriting practices meet partner and regulatory requirements
Collaborate with Product and Engineering to enhance tooling and workflows for credit decisioning
Support diligence efforts for partners auditors and regulators as needed
What Were Searching For
4 years of experience in underwriting credit risk analytics or related roles in fintech B2B lending or cards
Comfort underwriting small businesses
Strong analytical and technical skills: proficiency in SQL and fluency in financial statement analysis
Experience making decisions with imperfect data and building structure in ambiguity
Familiarity with credit modeling loss forecasting or portfolio risk management is a plus
Excellent cross-functional communication; able to translate data insights into business strategy
Self-starter who thrives in ambiguous and fast-paced environments
Thoughtful problem solver who can balance risk management with customer and business needs
We Prefer If You Have
Experience in a high-growth fintech or credit card startup
Familiarity with revenue-based financing or embedded lending products
Prior exposure to vendor evaluation fraud risk or KYC/AML compliance
A track record of shipping new underwriting systems or policies in collaboration with technical teams
What We Offer
Salary Range: $135k - $170k
Equity grant
Medical dental & vision insurance
Unlimited PTO & work from home flexibility
Commuter benefits
Free lunches
Paid parental leave
401(k)
Employee assistance program
If you require reasonable accommodation in completing this application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please contact us.
Required Experience:
IC
Employment Type
Full-Time
