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Responsibilities
Clearco is the capital partner that thinks like a founder. We provide fast, flexible, and founder-first funding designed to scale with your momentum. With over $3 billion deployed to 10,000+ brands, our performance-driven model delivers competitive terms, capped weekly repayments, and access to capital in as little as 24 hours. There’s no dilution, no personal guarantees, and no friction. Whether you're securing inventory, funding ads, or launching your next big product, Clearco helps you move faster with confidence.What your day-to-day will look like:Join Clearco as a senior leader on the diligence and underwriting teamConduct reviews of SMB customers to reach robust, data-driven credit decisionsWork directly with customers and independently own credit decisions for individual accounts (approve/decline recommendations, exposure amounts, and key terms) within Clearco’s authorization and escalation frameworkDevelop and refine detailed risk frameworks for these decisions alongside the credit teamWork collaboratively with internal stakeholders to complete ad-hoc requests and projects, often with time constraintsUndertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects and effectively communicate findings to key stakeholdersTest and refine specific financial metrics and ratios to enhance the speed and accuracy of our underwritingMaintain expert knowledge of internal risk frameworks, authorization limits, and escalation processesAct as a trusted risk advisor to leadership, delivering direct, data-backed recommendations to help the team winConduct ongoing analysis of the credit portfolio to flag risks and execute remediation plansContinually stay abreast of underwriting best practices and expand knowledgeWhat you’ll bringExperienceDegree in analytics, business, accounting, economics, finance, or equivalent practical experience7+ years of experience in credit underwriting, commercial banking, specialty finance, or fintech risk managementDirect experience with SMB credit underwriting and financial statement analysisTechnical and AnalyticalDeep expertise in financial underwriting, credit analysis, investment operations, or risk managementComfort analyzing company data and financial statements to form clear, defensible credit viewsDomain and ComplianceFamiliarity with e‑commerce business models and digital health metricsWorking knowledge of core compliance standards, including KYC and AMLCommunication and InfluenceStrong quantitative and writing skills, with a track record of delivering concise, actionable recommendationsClear, professional presence for direct customer communication, negotiations, and cross-functional collaborationMindsetStrong analytical skills to break down complex problemsBuilder mindset with a track record of improving processes for scaleOwnership and growth mindset; comfortable with radical candorClearco is an equal-opportunity employer. We celebrate our inclusive work environment and welcome members of all backgrounds and perspectives to apply. At Clearco, we’re committed to developing and upholding an inclusive, transparent, and comfortable environment for all. We create a space where every voice, perspective, and idea is heard and acknowledged. We embrace differences and know that our diverse team is our strength and what drives our innovation.Clearco is committed to developing a barrier-free recruitment process and work environment. If you require any accommodation, please let us know and we’ll work with you to meet your accessibility needs.We may use AI-assisted tools to support the recruitment process (for example, to organize and review applications). These tools inform our review, but people make the decisions. If you have questions about how your information is handled during hiring, please contact us.
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