Head of Underwriting

Director of Underwriting

Location: North Miami Beach, FL (On-site)

Role Overview

We are seeking a Director of Underwriting to lead and oversee the underwriting function within a fast-growing fintech lending platform. This role is responsible for setting underwriting standards, managing credit risk, approving credit decisions, and scaling underwriting operations in a technology-driven, high-growth environment.

The ideal candidate brings strong credit judgment, hands-on fintech lending experience, and the ability to balance portfolio growth with effective risk management.

Key Responsibilities

• Lead and manage all underwriting activities across 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 strategy with platform capabilities

• Leverage data, analytics, and automation to improve underwriting efficiency, consistency, and portfolio performance

• Build, mentor, and manage a high-performing underwriting team

• Monitor credit performance and adjust underwriting strategies to support sustainable growth

Required Qualifications

• Minimum of 3 years of underwriting experience within a fintech, alternative lending, or specialty finance environment

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

• Proven experience approving credit and managing risk at scale

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

• Strong analytical, leadership, and decision-making skills

• Excellent communication skills and ability to collaborate cross-functionally

• Experience with private credit, specialty finance, or alternative lending products preferred

What We Offer

• Competitive salary and performance-based incentives

• Opportunity to lead a critical function within a growing fintech platform

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

• Collaborative, execution-focused work environment

• On-site role with direct access to leadership and decision-makers