Financial Underwriting Lead

breezecash; New York (NY); On-site; USD 110,000 - 140,000; Full time

Benefits offered by this job

Health coverage

PTO 21 days

401(k)

Equity

MacBook & tools

Workspace budget

Wellness reimbursement

Global offsite

Job summary

Breeze is hiring a Financial Underwriting Lead in New York to own underwriting decisions for merchant growth, risk, and terms. You will analyze financials, set reserves, and build policies that scale globally with AI-assisted finance workflows.

You\'ll bring 2–3 years in corporate debt analysis, experience underwriting startups, and proven ability to defend decisions with clear memos. Join a fast-growing fintech tackling global payments.

Qualifications

• 2–3 years of experience in corporate debt analysis and underwriting.
• Experience underwriting startups and privately held companies.
• Ownership of a credit decision with a written memo.
• Fluency with financial statements, cash flow, runway and unit economics.
• Advanced Excel and experience with AI-enabled finance workflows.

Responsibilities

• Underwrite new merchant applications and assess terms.
• Set reserves, holdbacks, exposure limits.
• Run portfolio re-reviews and adjust risk framework.
• Build underwriting policy, scorecards, and reporting.
• Use AI/data tooling to speed up file review.
• Collaborate with Sales, Treasury Ops, Risk/Compliance, and bank diligence.

Skills

Advanced Excel

Financial statement analysis

Credit underwriting

Data analysis with AI tools

Education

Bachelor's degree in finance/economics or related field

Tools

BigQuery

Job description

At Breeze, we're building the AI-powered infrastructure layer for global commerce, making it radically simpler for businesses to sell, get paid, and operate across markets.

We go far beyond traditional payment processing. Breeze combines global payments, AI, stablecoins, and a Merchant of Record-like model to take on the complexity businesses typically manage themselves, including compliance, risk, fraud, chargebacks, reconciliation, and customer support.

Our goal is simple: let businesses focus on building and selling great products while Breeze handles the complexity behind getting paid.

Backed by Sequoia Capital , Multicoin Capital , and The Chainsmokers , Breeze is a successful, rapidly growing, and exceptionally well-capitalized company. We have the runway to think long term while remaining early enough that every person joining today can have a meaningful impact on what we build.

Overview

Every merchant Breeze takes on creates an opportunity to grow and real financial exposure to manage. We're hiring a Financial Underwriting Lead to own the decisions behind that growth: which merchants we support, on what terms, and how we protect Breeze from chargebacks, refunds, fraud, and merchant failure.

You'll own underwriting from application through ongoing monitoring, combining corporate credit analysis with sharp financial judgment to create high-impact decisions. This is a hands‑on builder role with the autonomy to create the policies, scorecards, and processes that will shape how Breeze manages risk and scales globally.

What You’ll Do

• Underwrite new merchant applications: analyze financials, funding, runway/burn/unit economics; assess the business model’s liability tail; make approve/decline/conditional decisions with a documented rationale
• Set reserves, holdbacks, volume caps and exposure limits
• Run portfolio re‑reviews, adjust terms as merchant risk changes, maintain a watchlist/escalation path, track realized losses back into the framework
• Build and maintain underwriting policy, scorecard, and exposure reporting to a standard that satisfies a bank/auditor
• Use AI/data tooling to speed up file review and decisioning
• Partner with Sales, Treasury Ops, Risk/Compliance, and support bank/acquirer diligence

What We’re Looking For

• 2‑3 years of experience in corporate debt analysis and underwriting – venture debt, growth lending, revenue‑based finance, private credit, commercial banking, or a startup lending book
• That experience should include underwriting startups and privately held companies.You should be comfortable forming a view from incomplete, unaudited, fast‑moving financials if needed.
• Demonstrated ownership of a credit decision: you have written the memo, taken a position, and defended it to a committee or a decision‑maker
• Fluency with financial statements, cash flow analysis, runway, burn and unit economics
• Advanced Excel (comfort building models and working with large transaction‑level datasets) and some degree of experience in AI enablement of finance and analysis workflows

Nice to Have

• Payments/fintech/marketplace/MoR exposure; chargeback/refund/settlement risk
• Rolling reserves, holdbacks, chargeback ratios, card scheme monitoring
• Experience building/improving an underwriting policy or scorecard
• BigQuery or similar
• Digital goods, gaming, creator economy, subscription, or prediction markets

Our Compensation Philosophy!

The annual base salary range for this role is $110,000–$140,000 in NewYork. This range represents the minimum and maximum annual base salary that Breeze, in good faith, expects to pay for this position at the time of posting. Actual compensation will be determined based on factors including a candidate’s experience, skills, and qualifications.

For candidates outside of NewYork, compensation will be based on the applicable market and location‑based pay range.

The base salary range listed excludes commission (if applicable), equity, and benefits.

Benefits & Perks

• Health coverage: Breeze covers100% of employee premiums on our competitive base plan and 75% of dependent premiums.
• PTO:21days, plus applicable company holidays.
• 401(k): Breeze covers all plan administration fees.
• Equity: Meaningful ownership in the company you’re helpingbuild.
• Equipment:A newMacBook Airand whatever else you need to do your best work.
• Office& education allowance: Aannual budget for your workspace, tools, and professional development.
• Wellness: A monthly reimbursement to support your well‑being.
• Annual global offsite: We bring the global Breeze team together every year. Previous destinations include Bali and Singapore, with Japan coming next.

Breezeis an equal opportunity employer. Weare committed to providing equal employment opportunities to all applicants and employees without regard to race, color, religion or creed, national origin, ancestry, citizenship or immigration status, sex, pregnancy, sexual orientation, gender, gender identity or expression, age, ma