SMB Lending Manager Job at myPOS (Sofia)

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SMB Lending Manager

This is a hands-on role for someone who knows SME lending inside out and wants t...

Location

United Kingdom , London

Salary:

Not provided

myPOS

Expiration Date

Until further notice

Requirements

3–5 years of experience in SME lending, credit risk, or lending strategy roles, ideally working closely with product teams
Strong working knowledge of SME credit products, business loans, merchant cash advance, credit cards, invoice finance, or similar
You have contributed to the design or development of lending products: you understand underwriting logic, affordability, scorecards, and what makes a lending product work commercially
Analytical and data-literate
comfortable with SQL or working closely with data teams to interrogate performance and inform decisions
Experience in fintech, a challenger bank, or a fast-growth lending business is a strong plus
Domain expert first, product thinker second, you bring genuine lending knowledge and use it to make better product decisions
Hands-on and delivery-focused: you get things done, take ownership, and don't wait to be told what to do next
Clear communicator, you can explain complex credit concepts simply, and write requirements that engineers can actually build from
Collaborative and low-ego: you work well within a product team environment and alongside a Product Manager responsible for roadmap and delivery

Job Responsibility

Product Discovery & Scoping: Work alongside the VP Product and Product Manager to help scope new lending products and features, bringing lending expertise to inform product design and roadmap prioritization
Own the lending domain expertise within the product team and business: bring market knowledge, competitor insight, and customer understanding to every product decision
Conduct discovery with SME customers, internal stakeholders, and external partners to identify unmet needs and shape the product roadmap
Provide clear input into how lending mechanics such as eligibility, limits, and pricing should be represented in the product experience
Work alongside the Product Manager to create product business cases and opportunity assessments that secure leadership buy-in
Credit & Risk Thinking: Define how credit decisioning, affordability, and risk appetite should be embedded into the product, working closely with credit risk and data teams to bring this to life
Support the deployment of new risk scorecards and underwriting logic, ensuring the product experience reflects sound credit principles
Contribute to pricing frameworks, credit limit structures, and eligibility criteria that balance growth with responsible lending
Analyze in-life portfolio performance and provide insights to inform product iteration, pricing adjustments, and credit strategy
Cross-functional Execution: Act as the connective tissue between credit risk, data, engineering, and commercial teams, ensuring everyone is aligned and moving in the same direction

What we offer

Vibrant international team operating in hi-tech environment
Annual salary reviews, promotions and performance bonuses
myPOS Academy for upskilling and training
Unlimited access to courses on LinkedIn Learning
Annual individual training and development budget
Refer a friend bonus as we know that working with friends is fun
Teambuilding, social activities and networks on a multi-national level

Fulltime

Director, Figure Connect Business Development

We’re looking for a partnership origination veteran that has deep relationships ...

Location

United States , New York

Salary:

172000.00 - 215000.00 USD / Year

Figure

Expiration Date

Until further notice

Requirements

7+ years total professional experience in finance, fintech, trading, and/or warehouse finance
Mortgage, Auto or SMB Finance Experience
Prior institutional client-facing experience in BD, sales, trading, investment banking, product marketing, or similar
Strong written and verbal communication
can create compelling narratives, decks, and memos
Able to walk into a room cold, build rapport quickly, and lead the conversation
Hunter mentality: self-directed, hungry, comfortable with ambiguity and limited guardrails environments
High-energy, high-ownership
willing to grind late nights when needed and travel regularly for clients, conferences, and team time in New York
Low-ego collaborator who works well across business units

Job Responsibility

Strategic Origination: Identify, target, and secure high-value partnerships with originators across diverse asset classes, including Mortgages, Auto, SMB, and Corporate lending
Relationship Management: Manage the full lifecycle of the originator relationship, acting as the primary point of contact and a trusted advisor
Cross-Functional Collaboration: Partner closely with Figure Capital Markets, Product, and Marketing teams to refine our value proposition and ensure an elite borrower experience
Market Intelligence: Stay ahead of market trends in warehouse finance and ABL to identify new asset class opportunities and competitive threats
Help build the team over time - Help recruit and mentor junior team members to scale coverage and execution

What we offer

Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans
Company HSA, FSA, Dependent Care, 401k, and commuter benefits
Employer-funded life and disability insurance coverage
11 Observed Holidays & PTO plan
Up to 12 weeks paid family leave
Continuing education reimbursement
25% annual bonus target, paid quarterly
Company equity in the form of RSUs

Fulltime

Senior Credit Risk Solutions Specialist

We are seeking an experienced Credit Risk Solutions Specialist to be our subject...

Location

Salary:

Not provided

Oscilar

Expiration Date

Until further notice

Requirements

5-8 years of hands-on experience in credit risk, underwriting, or lending operations
Direct experience implementing or managing credit decisioning systems
Background working with credit bureaus, scorecards, and policy rules
Experience in fintech, digital lending, or credit technology preferred
Track record of successful customer implementations or consulting
Strong understanding of credit decisioning workflows and underwriting logic
Experience with credit data sources (bureaus, bank data, alternative data)
Proficiency in data analysis and basic SQL for credit portfolio analysis
Familiarity with credit regulations and fair lending requirements
Understanding of credit scoring models and risk segmentation

Job Responsibility

Build end-to-end credit decisioning workflows using Oscilar's platform for various lending products
Configure credit scorecards, policy rules, and decision strategies for customer implementations
Design integrations with credit bureaus, bank data providers, and alternative data sources
Create reusable templates for common credit use cases (personal loans, BNPL, SMB lending)
Test and validate credit workflows ensuring accuracy and compliance
Document credit solutions and create implementation guides
Work hands-on with customers to implement credit decisioning strategies
Configure AI models for income verification, affordability assessment, and risk scoring
Troubleshoot credit workflow issues and optimize performance
Collaborate with engineering on credit-specific feature requirements

What we offer

Competitive salary and equity packages, including a 401k plan
Remote-first culture — work from anywhere
100% Employer covered comprehensive health, dental, and vision insurance with a top tier plan for you and your dependents (US)
Unlimited PTO policy
AI First company
both Co-Founders are engineers at heart
and over 50% of the company is Engineering and Product
Family-Friendly environment
Regular team events and offsites
Unparalleled learning and professional development opportunities

Fulltime

Credit Risk Analyst

As a Credit Risk Analyst based in Chicago, you will be part of a growing team re...

Location

United States , Chicago

Salary:

85000.00 - 110000.00 USD / Year

Adyen

Expiration Date

Until further notice

Requirements

Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments
Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators
Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing
Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks
Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives
Familiarity with U.S. regulatory frameworks and guidelines related to credit risk
hands-on regulatory experience is a strong plus but not required
Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact
Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind
Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles

Job Responsibility

Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers
Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen
Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives
Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices
Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments
Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices

What we offer

equity (RSUs)

Fulltime

Credit Risk Analyst - Financial Products

As a Credit Risk Analyst based in Amsterdam you will be part of a growing team r...

Location

Netherlands , Amsterdam

Salary:

Not provided

Adyen

Expiration Date

Until further notice

Requirements

Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments
Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators
Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing
Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks
Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives
Familiarity with EU regulatory frameworks and guidelines related to credit risk
hands-on regulatory experience is a strong plus but not required
Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact
Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind
Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles

Job Responsibility

Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers
Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen
Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives
Drive continuous improvement of our global and EU-specific credit risk underwriting and monitoring framework, including policies, procedures and practices
Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments
Lead projects from beginning to end, and find optimal solutions that benefit our customers and improve our risk management practices

Credit Risk Manager

We are looking for a data-driven Credit Risk Manager to build the analytical bac...

Location

United States

Salary:

135000.00 - 150000.00 USD / Year

Real Broker, LLC

Expiration Date

Until further notice

Requirements

Bachelor’s degree in a quantitative or analytical field (e.g., Economics, Finance, Mathematics, Statistics, Engineering, or Computer Science)
3+ years of experience in credit risk, analytics, fintech lending, specialty finance, or adjacent fields
Strong proficiency in SQL and Python
A solid grasp of credit risk principles for SMB or consumer lending
Experience building dashboards and analytical tools using platforms like Sigma, Looker, Tableau, or Metabase
Ability to utilize AI tools
Experience in a high-growth startup or fintech environment is a strong plus

Job Responsibility

Build the Risk Engine: Develop and own the analytical framework for credit risk, including underwriting models, loss forecasting, and credit policy definition using SQL and Python
Monitor Portfolio Health: construct comprehensive dashboards (Sigma, Looker, or similar) to track repayment behavior, vintage performance, delinquency roll rates, and unit economics
Drive Strategy & Optimization: Analyze product performance to recommend data-backed changes to product designs that maximize funding availability while protecting downside
Lead New Product Analysis: Conduct deep-dive assessments on market segments and risk profiles to help design and launch future financial products for real estate agents
Automate & Innovate: Leverage AI tools (ChatGPT, GitHub Copilot) to accelerate code generation and insight discovery, moving our risk processes from manual reviews to automated decisioning
Collaborate Cross-Functionally: Partner closely with Product, Finance, and Operations leadership to translate complex risk data into clear, actionable business strategies

What we offer

Bonus
Health Benefits
Life Insurance
Flexible PTO
401k

Fulltime

Senior Credit Analyst

Formic is on a mission to reshape American manufacturing by making automation ac...

Location

United States , Woodridge, IL

Salary:

95000.00 - 145000.00 USD / Year

Formic

Expiration Date

Until further notice

Requirements

5+ years of experience in commercial credit, underwriting, equipment finance, or asset-based lending
Direct experience underwriting SMB or mid-market manufacturing companies
Strong understanding of financial statements, cash flow analysis, and asset-heavy business models
Experience structuring credit exposure and negotiating commercial terms
Ability to make independent, well-reasoned credit decisions
Strong communication skills and comfort partnering with Sales and cross-functional stakeholders

Job Responsibility

Evaluate financial statements, cash flow profiles, leverage, and working capital trends for SMB and mid-market companies
Assign internal risk ratings and recommend appropriate exposure thresholds
Structure commercial terms aligned to customer risk profile and portfolio objectives
Partner with Sales to support timely deal execution while maintaining underwriting discipline
Coordinate with Legal and Finance to ensure commercial terms align with Formic’s risk posture
Monitor portfolio performance and identify early warning indicators
Maintain clear documentation of underwriting decisions and supporting analysis
Contribute to refinement of underwriting tools, frameworks, and internal processes

What we offer

Equity in Formic
Competitive & Uncapped Commission Structure
Comprehensive Healthcare Coverage
Additional Insurance Benefits
Employee Assistance Program (EAP)
Paid Parental Leave Program
Company-sponsored 401(k)
Home Office Stipend
Monthly Cell Phone Reimbursement
Flexible Time Off

Fulltime

Senior Credit Analyst

Formic is on a mission to reshape American manufacturing by making automation ac...

Location

United States , San Francisco; Oakland

Salary:

95000.00 - 145000.00 USD / Year

Formic

Expiration Date

Until further notice

Requirements

5+ years of experience in commercial credit, underwriting, equipment finance, or asset-based lending
Direct experience underwriting SMB or mid-market manufacturing companies
Strong understanding of financial statements, cash flow analysis, and asset-heavy business models
Experience structuring credit exposure and negotiating commercial terms
Ability to make independent, well-reasoned credit decisions
Strong communication skills and comfort partnering with Sales and cross-functional stakeholders

Job Responsibility

Evaluate financial statements, cash flow profiles, leverage, and working capital trends for SMB and mid-market companies
Assign internal risk ratings and recommend appropriate exposure thresholds
Structure commercial terms aligned to customer risk profile and portfolio objectives
Partner with Sales to support timely deal execution while maintaining underwriting discipline
Coordinate with Legal and Finance to ensure commercial terms align with Formic’s risk posture
Monitor portfolio performance and identify early warning indicators
Maintain clear documentation of underwriting decisions and supporting analysis
Contribute to refinement of underwriting tools, frameworks, and internal processes

What we offer

Equity in Formic
Competitive & Uncapped Commission Structure
Comprehensive Healthcare Coverage: Medical, dental, and vision insurance through Blue Cross Blue Shield and Unum, with 99% of employee premiums covered and 75% coverage for dependents, with optional buy-up plans available
Additional Insurance Benefits: FSA and DCFSA, life insurance, short-term disability, and long-term disability through Unum, all 100% employer-paid
Employee Assistance Program (EAP)
Paid Parental Leave Program: Up to 12 weeks of paid parental leave
Company-sponsored 401(k)
Home Office Stipend
Monthly Cell Phone Reimbursement
Flexible Time Off

Fulltime

SMB Lending Manager

myPOS

Location:
Bulgaria , Sofia

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
April 10, 2026

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