Director of Credit

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Director of Credit based in the United States. This is a senior credit leadership role focused on underwriting complex, high-value commercial transactions within a fast-growing financial technology environment. You will personally lead large-ticket credit decisions, manage escalations, and exercise delegated authority on significant exposures. The role combines hands-on underwriting with credit policy, portfolio management, syndication, and capital-markets readiness. You will also help expand credit capabilities as the business enters adjacent products such as leasing and receivables financing. Working closely with Risk, Capital Markets, Sales, and technology teams, you will balance growth, speed, risk discipline, and portfolio performance. You will have significant autonomy and a direct voice in credit decisions, with the expectation of challenging assumptions when necessary. This opportunity is ideal for an experienced commercial credit professional who combines deep judgment, strong writing, leadership, and an AI-first approach. Personally underwrite and structure large-ticket commercial credit transactions, including exposures of $1M+ and transactions reaching approximately $2.5M. Analyze audited and CPA-reviewed financial statements, leverage, liquidity, coverage, quality of earnings, agency and shadow ratings, and other relevant credit indicators. Evaluate complex or imperfect credit files, including private companies, unaudited financials, limited bureau or trade information, and international accounting frameworks. Structure transactions to appropriately manage risk through payment structures, amortization, exposure periods, guaranties, vendor recourse, and other credit enhancements. Prepare clear, well-supported credit memos and present recommendations to Credit Committee, defending decisions and responding to questions or challenges. Hold delegated credit authority for qualifying transactions and serve as a senior escalation point for analysts, Sales, and vendor partners, providing timely decisions and documented rationale. Establish and maintain disciplined exception-management practices, including approval criteria, documentation standards, and exception monitoring. Develop and strengthen syndication and capital-markets readiness by establishing consistent credit memo standards, diligence packages, grading practices, eligibility criteria, and concentration controls. Collaborate with Capital Markets on representations, warranties, repurchase triggers, and the referral of transactions exceeding internal limits or involving restricted profiles. Develop new syndication relationships and support the placement, participation, or forward-flow of credit assets. Apply leasing expertise to assess transaction structures, including residual assumptions, FMV and $1-out structures, capital and operating treatment, soft-cost limits, deferrals, guarantees, UCC filings, and collateral perfection. Support cross-border credit structures across applicable international markets, currencies, and jurisdictional requirements. Co-own credit policy with senior Risk leadership, including rating tiers, exposure limits, feature eligibility, and approval authorities. Monitor portfolio performance through watch lists, delinquency and loss trends, and concentration by vendor, industry, and buyer. Evaluate the balance between credit losses and automated approval rates to support sustainable portfolio growth. Partner with technology teams on automated decisioning, including Taktile rules, bureau data, scorecard calibration, and manual-review workflows. Determine where human credit judgment adds value versus where automated rules can improve consistency and efficiency. Use data and portfolio analysis to inform credit decisions and policy recommendations. Coach and calibrate first- and second-line underwriters, lead credit