Credit Operations
Operations
New York, NY, USA
USD 100k-200k / year + Equity
Posted on Jun 27, 2026
About This Role
Cash flow is the defining financial challenge for small businesses in America. Revenue is lumpy, expenses don't wait, and most SMB owners have never had a financial partner that truly understood their business. Affiniti is building that partner. As our credit analyst, you'll help us extend credit to the pharmacists, contractors, vet clinics, and shop owners that form the backbone of American communities but have been underserved or ignored by traditional institutions for decades. This isn't a rubber-stamp-the-scorecard role. You'll build and refine the models, policies, and frameworks that determine how we extend credit responsibly at scale. The decisions you make will directly determine whether a small business owner gets the runway they need to grow.
About Affiniti, and who we look for:
LOCATION
NYC
EXPERIENCE
1+ YOE. There is no upper limit.
TOTAL COMPENSATION
$100K to $200K + Equity (Experience adjusted)
BENEFITS
Reimbursed Relocation
Free Lunch and Dinner (In NYC)
Paid Technology Equipment Set Up
Health, Dental, and Vision Insurance Fully Paid
Key Responsibilities
Build and continuously refine our core credit models and policies: approval/decline logic, credit limit assignment, APR pricing, collections, and everything in between
Underwrite and assign credit lines across the full spectrum, from small business accounts to commercial customers
Manage credit policy enforcement with end users directly: customer conversations, line increase decisions, and exception handling
Evaluate and onboard new credit data vendors to sharpen our risk assessment capabilities and improve decisioning
Partner with our capital markets team to model and report on scalable loan funding strategies, including revolving credit facilities, to optimize portfolio performance
Analyze portfolio performance and build clear, actionable reporting for internal stakeholders
Develop valuation forecasts that account for financing options, portfolio trends, and through-the-cycle credit performance
Qualifications
Proven track record underwriting small business revolving credit cards (required); commercial credit, line of credit, and other credit experience is a strong plus
Strong analytical and financial modeling chops, you're comfortable building forecasts and stress-testing assumptions
Technical fluency in SQL and data tooling (Snowflake, Tableau, DataGrip, or equivalent)
Deep knowledge of credit risk management and financial underwriting, including hands-on experience building credit policies, models, and procedures from scratch
Early-stage startup experience is a plus
A high ownership, do what it takes mentality, that doesn’t see a job as “just a job”
It’s About Time Someone Revived The Backbone Economy
If you’re interested, email aaron@affiniti.com and sahil@affiniti.com with a brief description on why we should chat!