Since 2018, Wisetack has been building transparent and intuitive consumer lending products that help service-based businesses thrive (think HVAC companies, veterinarians, or auto repair shops).

Our leadership team comes from top fintech companies such as Lending Club, Affirm, and Varo Money. And we’re backed by leading VCs, including Insight Partners, Greylock, Quadrille, and Bain Capital Ventures (investors in Airbnb, LinkedIn, Instagram, Dropbox, and more).

Having raised $84M, we’re a well-funded startup and have invested in people and technology while growing our partnerships — responsibly.

We’re also proud to have received recognition from the fintech world. Awards we’ve won include:

Ranked #21 on 2024 Inc. 5000 based on revenue growth
Ranked #15 on 2024 Deloitte Fast 500 based on revenue growth
2024 Best Embedded Finance Solution for Banking Tech Awards
2023 Best Consumer Lending Program by Tearsheet
2023 Best Point of Sale Product by Fintech Breakthrough

But what you’ll find us gleaming about the most is the recognition from our own customers, particularly our sky-high NPS rating of 79. (For reference, the average score is 44 for financial services and 36 for SaaS companies.)

As a result of our efforts in building this healthy company culture, we’ve been nominated to several Great Places to Work lists, such as Best Small Workplaces, Best Workplaces in the Bay Area, and Best Workplaces in Financial Services & Insurance.

Like any startup, we’re in it for the long haul, and we’re looking for people willing to join our journey of building something special together.

This process starts with our company values, which guide us in everything we do — and have played a critical role in our success. We valiantly abide by them, and would expect you to do the same:

Put customers first (that’s our M.O.)
Act fast (leverage our startup environment).
Lead the way (show and tell).
Take ownership (everyone is hands-on here).
Be a good human (no egos, build financial products that do right by people).

Learn more about our values here.

The Role

We’re looking for a driven, analytically-minded professional to join our credit operations team. The team is responsible for maintaining and proposing improvements to credit policies, borrower and merchant underwriting, and risk management.

Responsibilities

Perform reviews of merchant and borrower applications, managing and mitigating credit risk while also seeking to identify and prevent fraudulent transactions
Work cross-functionally with internal stakeholders such as the support team, growth team and product, and act as a subject matter expert for any customer issues related to credit operations and merchant onboarding
Maintain and respond to email inquiries sent to underwriting
Uphold Service Level Agreements (SLAs) for our customers and internal stakeholders
Analyze and propose improvements to current merchant underwriting, fraud mitigation, and loan application processes
Monitor and validate accuracy of implementation and modifications to Know Your Customer (KYC), credit eligibility, and pricing parameters

Requirements

2+ years of experience in underwriting
Familiarity with Anti-Money Laundering (AML) and Know Your Customer (KYC) related policies
General knowledge of lending, credit, and risk management
Impeccable attention to detail
Excel proficiency
Strong communication skills, with the ability to collaborate effectively with teammates and external partners

Bonus points

FinTech lending landscape
Experience querying databases (SQL)

Conclusion

The range of base salary for the position is between $58,300 - $81,600, plus equity, andbenefits. Please note that the base salary range is a guideline, and individual total compensation will vary based on factors such as qualifications, skill level and competencies.

Spend a little time on our About Us page and check out our Press page and our blog for more. If you think this might be a fit, we’d love to hear from you!

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Credit Operations Specialist