Director of Credit

capchase; United States; On-site; USD 180,000 - 280,000; Full time

Job summary

Capchase is seeking a Director of Credit to underwrite large-ticket deals and manage credit risk across complex financings. You will write memos, defend decisions at the Credit Committee, and own syndication readiness with capital markets partners.

You will lead leasing and cross-border structuring efforts, ensuring collateral perfection and risk controls, while co-owning credit policy with the VP Risk.

Qualifications

• Extensive experience in large-ticket underwriting and credit analysis.
• Ability to write credit memos and defend them to Credit Committee.
• Experience with syndication, capital markets, and cross-border structuring.

Responsibilities

• Large-ticket underwriting hands-on and AI-driven; assess leverage and liquidity.
• Maintain credit authority; respond to escalations with clear reasoning.
• Oversee syndication readiness and external memo standards.
• Lead leasing/transaction structuring and collateral perfection.
• Co-own credit policy with VP Risk and monitor portfolio health.

Skills

Large-ticket underwriting

Credit analysis

Syndication & capital markets

Cross-border structuring

AI-driven risk analysis

Job description

Capchase is on a mission to transform how hardware and software companies sell and get paid, revolutionizing the equipment financing space. Recently named a 2026 Monitor Best Company in Innovation , we're recognized for embedding flexible payment terms directly into the sales workflow, helping teams close faster without the friction of a separate financing system.

We're the modern platform for financing leading enterprise solutions: built for direct and channel sales motions , with $2B+ funded , approvals in seconds , and a seamless experience for both sellers and buyers. Backed by leading fintech investors including 01A, Thomvest, QED, SciFi, and Invesco, we've raised $700M+ in equity and debt to fuel our growth.

In just over five years, we've scaled from four co-founders to 80+ Capchasers across 10 markets, supporting thousands of companies globally and processing billions in payment volume.

Since our launch in 2020, we've achieved several milestones:

• 10K+ active vendors, channel partners and buyers
• Built a team representing over 15 nationalities
• Active in 10 markets
• Top decile YoY growth
• Built an awesome culture .

In December 2024 we reached the top of the Installment Payment, BNPL category on G2 , #1 in B2B.

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. We're always looking for the brightest minds to join us. We're a diverse team of 15+ nationalities with a shared passion for helping innovative companies thrive. Join the climb with us!

The context you'll find

We let B2B vendors (software, hardware, and hybrid) offer their customers deferred and installment payment terms while the vendor gets paid upfront. Independent means we are not captive to a single manufacturer: we underwrite across many vendors' buyer bases, in multiple currencies and jurisdictions, and we fund both on balance sheet and through capital-markets partners.

Two credit books sit underneath that: the buyers who take payment terms, and the vendors whose paper and performance risk we take on. This role owns the hard end of the first and works closely on the second.

Why this role, now

We are seeing a spike in volume of credit requests in excess of $500,000. That means more files that need proper financial spreads and analysis rather than a scorecard-driven approach, more presentations to credit committee, more escalations that need a decisive answer the same day. We are also entering adjacent financial products like leasing and receivables financing which broadens the scope of credit underwriting.

We want a Director of Credit who can carry that responsibility: underwrite the biggest files personally, hold delegated authority beneath the Committee, build syndication relationships to place larger tickets and build the bench.

What you'll own

1. Large-ticket underwriting, hands-on and AI-driven

You are the underwriter on large tickets. Spread audited and CPA-reviewed financials on your own heavily using AI; work agency and shadow ratings; assess leverage, coverage, liquidity, and quality of earnings; run the subsidiary-bankruptcy and going-concern checks; and where the standalone credit doesn't clear, structure your way to a yes: upfront first payment, annual or semi-annual amortization, a compressed exposure window, guaranties, vendor recourse. You write the credit memo. You carry it to Credit Committee and defend it.

2. Credit authority and the escalation desk

Hold delegated signing authority in the sub-$500k band and act as a key escalation point for analysts, sales, and vendor partners. Escalations get an answer in hours, with the reasoning written down. You own exception discipline: what qualifies, who approves, how it's documented, and how often we're granting them.

3. Syndication and capital-markets readiness

A growing share of our paper is sold, participated, or forward-flowed. You own the standard that makes a Capchase file clear someone else's credit team on the first pass: the external memo format, the diligence package, the consistency of grading. You'll work with Capital Markets on eligibility criteria, concentration limits, reps and warranties, and repurchase triggers, and you'll manage referrals of above-ceiling and restricted-profile requests out to partners. You will work on developing new syndication relationships too.

4. Leasing and transaction structure

Bring real lessor instincts: FMV vs. $1-out, capital vs. operating treatment, residual assumptions, soft-cost caps, deferral structures, personal and corporate guaranties, UCC filings and collateral perfection, and how each of those changes the credit question. You'll also handle cross-border structure across our licensed markets outside of the US as well as restricted-jurisdiction carve-outs.

5. Credit policy and portfolio

Co-own the credit policy with the VP Risk: rating tiers, limit formulas, feature eligibility, appro