Senior Underwriter

About Cashera

Cashera serves gig workers and independent contractors, providing fast, automated funding solutions typically ranging from $500 to $10,000, powered by real-time data and AI-driven underwriting.

Role Overview

Cashera Capital is seeking a Senior Underwriter to oversee the underwriting function within our fintech lending platform. This role is responsible for setting underwriting standards, approving credit decisions and managing risk frameworks.

The ideal candidate brings hands-on fintech lending experience, strong credit judgment, and the ability to scale underwriting processes while balancing growth and risk.

Key Responsibilities

• Lead and manage all underwriting activities across Cashera Capital's fintech lending products

• Establish, implement, and continuously refine underwriting policies, credit models, and risk frameworks

• Review and approve credit decisions, including complex or non-standard transactions

• Partner closely with Product, Engineering, Data, Legal, and Operations teams to align underwriting with platform capabilities

• Use data, analytics, and technology to improve underwriting efficiency, consistency, and performance

Required Qualifications

• Minimum 3 years of underwriting experience within a fintech lending environment

• Strong understanding of fintech credit products, automated underwriting, and data-driven decisioning

• Proven experience approving credit and managing risk at scale

• Excellent communication skills and ability to collaborate cross-functionally

• Experience in private credit, specialty finance, or alternative lending

• Familiarity with credit models, scoring systems, and underwriting automation

What We Offer

• Competitive salary and performance-based incentives

• High level of ownership and influence on underwriting strategy and risk management

• Collaborative, execution-driven culture