Credit Underwriter

Job description

Our mission The trucking and logistics industry provides the backbone of the economy. But the payments infrastructure on which it runs is broken. For the hard-working men and women of this sector, the existing suite of payment tools is outdated, difficult to use, prone to fraud, and saddled with shady fee structures. The incumbent players in this space often overlook the economic and practical needs of this user base. We're changing that. AtoB https://atob.com/ is building Stripe for Transportation — modernizing the payments infrastructure for trucking and logistics. Supply chains rely on the timely movement of capital to function efficiently. Our end game is a world in which that capital movement occurs fairly, smoothly, and without delay. As we pursue that end game, we aim to center our customers in every way — offering them world-class customer experience and building products that work with and around the unique constraints of their daily lives. We build for fleet managers in the office and drivers on the road. We strive for products that are efficient, satisfying, and useful. Our customers enable our modern economy — they deserve it. Our history and background Our founding team has backgrounds in payments, working on autonomous vehicles at Cruise Automation, leading ops and growth for Uber, and building apps that were featured on the Apple app store. We have staff and senior engineers from Google, Uber, Meta, Shopify, Stripe, Chime, and other leading technology companies. We have raised $125 million+ from investors such as General Catalyst, Elad Gil, Bloomberg Beta, Y Combinator, XYZ; founders and CEOs of companies such as Google (Eric Schmidt), Salesforce (Marc Benioff), Coinbase (Brian Armstrong), DoorDash (Tony Xu), Instacart, Gusto; strategic investors like Mastercard, Flexport and Samsara. We were named to Forbes annual Next Billion-Dollar Startup List https://www.forbes.com/sites/amyfeldman/2022/08/16/next-billion-dollar-startups-2022/?sh=4899e6d55308, and have just recently been selected to join the World Economic Forum https://www.linkedin.com/company/world-economic-forum/ as a Global Innovator. WHAT YOU WILL DO: - Review and analyze new customer applications, including financial statements, tax returns and credit reports. - Assess credit worthiness of businesses and applicants. - Evaluate risk, write clear lending decisions and determine the terms under which fuel cards will be offered. - Manage large queues of onboarding and ongoing risk reviews. WHAT WE'RE LOOKING FOR: - 3 - 4 years of credit underwriting experience, with strong financials and credit analysis skills. - Prior U.S. Underwriting Experience: Candidates must have 1–2 years of previous underwriting experience specifically within a U.S. fintech. US-based underwriting experience is mandatory. Trucking industry experience preferred. - Availability for U.S. Schedule: Candidates must be able to work until 3 PM PST to ensure adequate coverage during the afternoon shift. - Bachelor's degree in Finance, Business, Economics or related field. - Strong communicator with the ability to clearly articulate risk decisions.