Head of Credit (CPG Financing)

Bridge; New York (NY); Hybrid; USD 180,000 - 280,000; Full time

Benefits offered by this job

Health coverage

401(k) with company contribution

Job summary

Bridge is seeking a credit leader to reshape underwriting for its purchase order finance program in New York. You will own the credit strategy, chair the committee, and build the team and tooling to support fast growth with disciplined risk management.

You will lead underwriting for complex PO finance opportunities with CPG brands, evaluating financials, purchase orders, supplier terms, and supply chain dynamics while driving data-driven improvements and automation.

Qualifications

• 7–20 years of progressive experience in commercial credit, asset-based lending, trade finance, or specialty finance, including a senior leadership capacity.
• Deep underwriting experience with middle-market borrowers, ideally CPG brands selling to large retailers.
• Track record designing credit frameworks and policies for new or evolving product lines.
• Demonstrated conviction that data and models strengthen credit decisions, with examples of building scorecards or analytics-driven tools.
• Strong analytical and financial modeling skills, including complex capital structures and collateral analysis.
• Experience building and scaling high-impact credit teams.
• Executive presence and communication skills for presenting to boards and external partners.

Responsibilities

• Own the PO finance credit strategy end to end, and chair the credit committee.
• Design underwriting standards, advance rates, and concentration limits.
• Author credit policy, approval matrices, and playbooks aligned with risk strategy.
• Lead underwriting for complex PO finance opportunities with growing CPG brands.
• Evaluate borrower financials, purchase orders, supplier terms, and supply chain dynamics.
• Structure transactions balancing borrower needs with downside protection.
• Own portfolio performance through early warning indicators and stress testing.
• Partner with product and engineering to reimagine PO finance underwriting and tooling.
• Set the vision for decisioning tools, scorecards, and dashboards.
• Build and lead the credit and underwriting organization as the program scales.

Skills

Commercial credit leadership

Underwriting expertise

Data-driven decisioning

Financial modeling

Leadership & team-building

Stakeholder management

Education

Bachelor's degree in finance or related field

Tools

Excel

SQL

BI tools (Tableau/Power BI)

Job description

Bridge exists to make capital access simpler for growing businesses. Backed by Citi, TTV Capital, US Bank, and Correlation Ventures, we have deployed more than $800 million in financing and partner with Fortune 500 retailers including Walmart. In August 2026 we announced a $500 million financing partnership with LuminArx, purpose-built for CPG production financing.

About the role

We are looking for a credit leader who sees underwriting as ripe for transformation. You have run disciplined credit operations in commercial lending, asset-based lending, or specialty finance, and you are energized by the chance to rebuild credit discipline using data, models, and technology rather than legacy spreadsheets.

You will own the credit strategy for our purchase order finance program, chair the credit committee, and build the team and tooling behind it.

Key responsibilities

Credit strategy and program ownership

• Own the purchase order finance credit strategy end to end.
• Design the credit framework, including underwriting standards, advance rates, and concentration limits.
• Author credit policy, approval matrices, and playbooks aligned with risk strategy.
• Chair the credit committee with final transaction approval authority.

Underwriting leadership

• Lead underwriting for complex PO finance opportunities with growing CPG brands.
• Evaluate borrower financials, purchase orders, supplier terms, and supply chain dynamics.
• Structure transactions that balance borrower needs with downside protection.
• Own portfolio performance through early warning indicators and stress testing.

Data, product, and technology enablement

• Partner with product and engineering to reimagine PO finance underwriting.
• Set the vision for decisioning tools, scorecards, and dashboards.
• Define data requirements and feedback loops for continuous model improvement.
• Champion automation across the PO lifecycle.

Leadership and team

• Build and lead the credit and underwriting organization as the program scales.
• Establish standards for credit quality and analytical rigor.
• Recruit, coach, and develop talent with an ownership and continuous improvement mindset.
• Partner with Sales, Partnerships, and Capital Markets teams.

Stakeholder management and governance

• Serve as the senior credit voice for purchase order financing internally and externally.
• Own credit policy formation and capital markets discussions with funding sources.
• Collaborate with compliance, legal, and operations on regulatory and contractual requirements.
• Shape strategic decisions on product extensions and capital structures.

Qualifications and experience

• 7–20 years of progressive experience in commercial credit, asset-based lending, trade finance, or specialty finance, including a senior leadership capacity.
• Deep underwriting experience with middle-market borrowers, ideally CPG brands selling to large retailers.
• Track record designing credit frameworks and policies for new or evolving product lines.
• Demonstrated conviction that data and models strengthen credit decisions, with examples of building scorecards or analytics-driven tools.
• Strong analytical and financial modeling skills, including complex capital structures and collateral analysis.
• Experience building and scaling high-impact credit teams.
• Executive presence and communication skills for presenting to boards and external partners.
• Entrepreneurial orientation suited to fast-moving, high-growth environments.
• Purchase order financing or closely related pre-shipment supply chain finance experience is preferred.
• Set the credit vision for a new PO finance business line with real strategic authority.
• Leverage partnerships with Fortune 500 companies including Walmart, using proprietary data.
• Scale a program powered by the $500 million financing partnership with LuminArx.
• Build a high-impact credit and underwriting team from inception.
• Shape product design, workflows, and automation alongside engineering.
• Help establish a technology and data-driven PO finance model as the industry standard.
• Join a founder-led, mission-driven company focused on transparency and access.

Compensation and benefits

• Competitive base salary with annual performance bonus potential.
• Comprehensive health coverage: medical, dental, and vision.
• 401(k) with company contribution.

Bridge is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender identity, sex, sexual orientation, national origin, disability status, protected veteran status, genetic information, marital status, and pregnancy or any other characteristic protected by law or company policy.