Head of Credit
Slash is a financial technology company that provides a banking platform and expense management software. It offers features tailored to specific industries, including high-yield accounts, corporate cards with cashback, working capital, and modern capabilities like crypto on/off ramps and developer APIs.
Projects
About Slash
Slash is a financial technology company, not a bank, that provides a comprehensive financial platform for businesses, including unified banking for crypto companies. It offers a single dashboard to manage both crypto and fiat assets. Services include high-yield checking and savings accounts, corporate cards with up to 2% cashback, working capital, and seamless stablecoin (USDC, USDT) on/off-ramps and payments. The company also issues its own stablecoin, USDSL, built on the Base network. Slash provides developer-friendly APIs for automation and simplified multi-entity management, catering to industries like marketing, e-commerce, and Web3. Banking services are provided through partners such as Column N.A. and Piermont Bank, while digital asset services are offered in partnership with third parties like Bridge Building Inc.
Skills
About the Role
You'll own and scale the credit offerings at the center of the business, working closely with growth, product, engineering, and leadership to make credit decisions that directly enable business growth. You'll build underwriting models, manage capital partner relationships, and grow the loan book responsibly. You'll need deep judgment under uncertainty and a track record of scaling underwriting operations.
Requirements
- 10+ years of experience in commercial lending in a credit, risk management, or underwriting role
- Proven track record of scaling a commercial lending portfolio with low loss rates
- Deep fluency in credit modeling, scoring, and alternative data; you've built or significantly improved underwriting models directly
- Experience designing automated credit decisioning pipelines and working cross-functionally with product and engineering
- Strong understanding of funding structures and their tradeoffs (including warehouse facilities, forward flow arrangements, and securitizations)
- Ability to move fast without cutting corners
- Excellent communicator who can translate complex risk concepts for internal and external stakeholders
- Experience operating in a regulated environment and familiarity with applicable consumer & commercial lending regulations
- Based in San Francisco or New York City and excited to work in-person 5 days a week
- Experience underwriting in SMB lending (term loans, lines of credit, revenue-based financing, or merchant cash advances)
- Background at a top-tier fintech (e.g., Brex, Ramp, Affirm, SoFi, Upstart, Mercury, Pipe, Clearco) or comparable high-growth lender
- Experience managing multiple institutional capital partners and / or rating agency relationships
- CFA, FRM, or advanced degree in a quantitative field
Responsibilities
- Own end-to-end credit product development, including understanding customer needs, building underwriting models, finding financing, managing launches, and growing the loan book
- Scale originations for corporate charge cards and other credit offerings to $100M+ in monthly originations while maintaining low default and delinquency rates
- Design and implement automated credit decisioning systems in partnership with engineering team
- Build reporting & monitoring systems to provide clear visibility into credit portfolio
- Lead stress testing, scenario analysis, and reserve methodology calculations to ensure resilience across credit cycles
- Manage relationships with capital partners, rating agencies, and other potential partners as needed
- Build, mentor, and scale a high-performing credit and risk team