Job Description

Location Type: Remote Employment Type: Full-Time

Position Overview

Capchase is the #1 platform for vendor financing in tech, empowering software and hardware vendors to offer flexible installment payments. This improves conversion rates and cashflow, while providing an excellent buyer experience. Founded in 2020 and headquartered in NYC, Capchase has provided over $2.5B in funding to thousands of companies across the US and Europe. We are backed by leading investors including QED, 01 Advisors, Bling Capital, SciFi, Caffeinated Capital, Thomvest, and Invesco.

Some of our achievements:

• Supporting thousands of software companies and software buyers
• 80 Capchasers representing 15+ nationalities
• Active in 8 markets
• Top Decile Growth
• Ranked #1 across B2B BNPL (G2, December 2024)

Why work with us? Help accelerate an industry! At Capchase, we are transforming how software and tech-enabled hardware equipment gets financed. We move and innovate fast, and are always looking for the brightest minds to join our diverse team of 15+ nationalities united by a shared passion for helping innovative companies thrive. Join the climb with us!

About the Job: Risk Associate

As a Risk Associate, you will play a key role in reviewing the credit profile of potential borrowers and approving credit. You will be part of a global team of credit professionals executing our credit policy to ensure profitable loans. We aim for industry-best response times on credit reviews through a tech-first approach to gathering and analyzing borrower information. You will also work cross-functionally to develop deep financial expertise and assist our vendor partners in closing more deals.

Responsibilities

• Performing risk assessments on potential commercial borrowers using commercial credit bureau information, internal borrowing history, and other firmographic and risk factors.
• Evaluating compliance requirements, including OFAC and KYC screening.
• Efficiently and accurately employing a proprietary credit policy to assign borrower ratings, credit limits, and specific loan features.
• Clearly articulating when and why additional details or financial documents are required.
• Evaluating borrower documents for accuracy and completeness.
• Spreading customer financial information and analyzing standard financial ratios.
• Supporting colleagues and leaders in large, complex transactions.
• Recording loan application decisions and the specific basis for each decision.
• Performing all duties with a focus on client relationships and superior customer service.

Requirements

• 3-5 years of experience in commercial financial services, with a preference for credit risk experience.
• 3+ years of experience underwriting commercial borrowers.
• 2+ years in a transactional operations environment with high-volume processing.
• Bachelor's degree in finance, engineering, computer science, or a related discipline.
• Strong analytical capabilities with excellent attention to detail.
• Experience with US commercial lending practices.
• Ability to maintain US working hours and holiday schedules.

Company Information & Culture

Capchase is committed to fostering a diverse and inclusive workplace. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.