Debt Underwriter

Insight Funders; Buffalo (NY); Hybrid; USD 110,000 - 170,000; Full time

Benefits offered by this job

Equity options

Health, dental, and vision insurance

Hybrid or remote work options

Paid time off

Job summary

Insight Funders, an AI-powered private credit marketplace, seeks an experienced Venture Debt Underwriter to evaluate credit risk, structure debt deals, and manage lending transactions for startups. The ideal candidate has 3–5+ years in venture debt or related financing, strong financial modeling skills in Excel/SQL, and a deep understanding of early-stage financials.

The role involves credit analysis, risk assessment, due diligence, and loan structuring while monitoring portfolio performance and

Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, or related field.
• Advanced degrees or certifications (CFA, CPA) are a plus.
• 3–5+ years in venture debt underwriting, structured credit, or revenue-based financing.
• Strong understanding of financial statements, credit metrics, and modeling.

Responsibilities

• Assess credit risk of early-stage and high-growth companies.
• Build detailed financial models to evaluate cash flow and debt servicing.
• Design customized lending solutions aligned with startup growth trajectories.
• Monitor loan performance and risk exposure across borrowers.
• Conduct due diligence and stay updated on industry trends.

Skills

Quantitative analysis

Financial modeling

Excel

SQL

Communication

Negotiation

Venture capital familiarity

Education

Bachelor's degree (Finance/Economics/Business)

CFA/CPA preferred

Tools

Excel

SQL

Job description

About Us

Insight Funders is an AI-powered private credit marketplace, connecting startups and high-growth companies with non-dilutive capital, while providing investors with pre-qualified, high-yield opportunities. We leverage AI-driven underwriting to make financing faster, data-driven, and efficient.

Job Description

We are looking for an experienced Venture Debt Underwriter to evaluate credit risk, structure debt deals, and manage lending transactions for startups. The ideal candidate has a strong background in venture debt, revenue-based financing, and risk assessment, along with a deep understanding of early-stage company financials and alternative lending markets.

Key Responsibilities

• Credit Analysis: Assess the financial health and creditworthiness of early-stage and high-growth companies.
• Financial Modeling: Build detailed financial models to evaluate cash flow, debt servicing, and risk exposure.
• Risk Assessment: Identify and mitigate risks in venture debt and revenue-based financing transactions.
• Due Diligence: Conduct in-depth financial, operational, and market due diligence.
• Loan Structuring: Design customized lending solutions aligned with startup growth trajectories.
• Portfolio Management: Monitor loan performance and risk exposure across multiple borrowers.
• Market Research: Stay updated on industry trends, venture capital, and alternative credit markets.
• Reporting & Insights: Present credit memos, risk assessments, and investment recommendations.

Qualifications

Education

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• Advanced degrees or certifications (e.g., CFA, CPA) are a plus.

Experience

• 3-5+ years of experience in venture debt underwriting, structured credit, or revenue-based financing.
• Strong track record of assessing startup risk and structuring non-dilutive financing solutions.
• Deep understanding of financial statements, credit metrics, and financial modeling.

Skills

• Strong quantitative and analytical skills with expertise in financial modeling.
• Proficiency in Excel, SQL, and other data analysis tools.
• Attention to detail and ability to evaluate complex financial scenarios.
• Excellent communication and negotiation skills.
• Familiarity with venture capital, private credit, and structured finance markets.

Compensation & Benefits

• Competitive Salary
• Performance-Based Bonuses
• Equity Options: Participate in the company’s equity program
• Comprehensive Benefits: Health, dental, and vision insurance
• Flexible Work Arrangements: Hybrid or remote options available
• Paid Time Off & Holidays
• Professional Development: Access to industry networking events, fintech conferences, and training programs

Why Join Insight Funders?

• Be part of a fast-growing fintech startup, redefining credit underwriting with AI
• Work alongside an elite team of AI and finance experts
• Lead the future of AI-driven private credit underwriting

If you're passionate about venture debt, credit risk analysis, and AI-driven underwriting, we’d love to hear from you.

Work directly with our engineers to design and build a product that will disrupt the industry. If you’re tired of the corporate grind and ready to ride the AI wave, this is your chance to shape the future of finance.

See your work turn into real products, used by Wall Street professionals. Collaborate with top industry leaders, make an impact, and—yes—actually have fun in your finance job.

Join the rocket ship. Be part of the next unicorn!