Director of Credit & Risk at Order

New York, New York, United States -

Full Time

Start Date

Immediate

Expiry Date

07 Jul, 26

Salary

220000.0

Posted On

08 Apr, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Commercial credit, Underwriting, Asset-backed lending, Portfolio analytics, Risk management, Credit policy development, Capital partner management, Financial analysis, Cohort analysis, Vintage tracking, Unit economics, Stakeholder management, Process improvement, Strategic planning, Fintech, Data reporting

Industry

Description

Role Overview We are seeking a Director of Credit & Risk to own underwriting strategy, portfolio performance, and lender-facing execution for Order.co’s credit offering. This role reports into the Head of Payments & Credit and operates as the day-to-day owner of the credit function. You will be responsible for building the systems, policies, and operating rigor required to evolve our current underwriting approach into a more scalable, programmatic credit engine. This is an individual contributor role with light team oversight (analyst/associate level), designed for a senior operator who can both set direction and personally drive outcomes across the credit lifecycle. You will play a critical role in shaping how Order.co deploys capital, manages risk, and builds credibility with institutional lenders. Role Expectations Credit Strategy & Policy Development Design and formalize underwriting policies, approval frameworks, and risk thresholds. Translate business objectives into clear, scalable credit decisioning logic. Continuously evolve policy based on portfolio performance, loss trends, and growth targets. Portfolio Ownership & Performance Management Own end-to-end portfolio health, including approval rates, utilization, delinquency, and loss performance. Build and maintain core reporting (cohort analysis, vintage tracking, unit economics). Identify emerging risk signals and take proactive action to protect portfolio performance. Lender & Capital Partner Management Serve as a primary interface with external lending and trade credit partners. Lead recurring performance reviews, reporting, and data discussions. Ensure compliance with relevant agreements and proactively manage covenant performance. Translate internal portfolio data into clear, credible narratives for institutional stakeholders. Underwriting Execution & Complex Deal Structuring Personally underwrite and approve complex or high-value accounts. Conduct deep analysis of customer financials, business models, and risk profiles. Structure credit decisions that balance growth with disciplined risk management. Operational Buildout & Team Enablement Establish SOPs, QA processes, and decisioning frameworks to ensure consistency and scalability. Provide guidance and oversight to junior underwriting and operations team members. Implement processes that reduce manual work while improving decision quality. Cross-Functional Collaboration Partner with Product, Engineering, and Data teams to improve underwriting workflows and automation. Collaborate with GTM and Operations on customer-level decisions and escalations. Provide input into product and infrastructure decisions that impact credit performance. Required Skills & Qualifications 8–12+ years of experience in commercial credit, underwriting, or asset-backed lending. Strong experience interacting with institutional lenders or capital providers. Proven ability to design or evolve credit policies and underwriting frameworks. Deep understanding of portfolio analytics, including loss drivers and performance segmentation. Experience operating in a high-growth or evolving environment where structure is still being built. Ability to operate as a hands-on individual contributor while influencing across teams. What You’ll Receive Competitive compensation including base salary, bonus, and equity Employer-sponsored 401(k) with match Comprehensive medical, dental, and vision coverage Flexible time off and hybrid work environment Opportunity to build and scale a critical function at a high-growth fintech company The anticipated annual salary range for this role is $190,000–$220,000. Actual compensation and title will be commensurate with experience, qualifications, knowledge, and skills.

Responsibilities

The Director of Credit & Risk will own the underwriting strategy, portfolio performance, and lender-facing execution for the company's credit offering. They are responsible for building scalable credit decisioning logic, managing portfolio health, and serving as the primary interface with institutional capital partners.