Associate Director of Credit Underwriting & Operations

About the Role

We are seeking an Associate Director of Credit Underwriting & Operations to build and lead the credit function at Mesh. In this role, you will shape the future of corporate payments through data-driven insights, strong controls, and automation, and set the credit strategy for a diverse base of B2B customers, including global enterprises and publicly traded companies. You will own the credit portfolio and credit outcomes end-to-end and manage Mesh's partnership with its warehouse bank. This role requires deep credit expertise, fluency with data, and the ability to independently lead complex, cross-functional initiatives. You will work closely with cross-functional partners and C-level leadership, with the opportunity to influence strategy at the highest levels. What You'll Do: Build and lead Mesh's credit function, owning the credit portfolio end-to-end, including setting and adjusting credit limits, monitoring trends, and driving proactive portfolio actions Manage the partnership with Mesh's warehouse bank, serving as the primary point of contact for portfolio reporting, diligence, and ongoing facility requirements Design and refine underwriting and portfolio-risk strategies and scalable decisioning frameworks across lending products, industry segments, and customer profiles, using quantitative techniques, internal and external data, and financial analysis Conduct forecasting, loss modeling, portfolio performance analysis, and due diligence for new programs and credit initiatives Own credit policy, leading enhancements from design through execution and impact measurement Build and improve operational credit workflows with Sales, Customer Success, Operations, Finance, and Compliance, driving control, automation, and efficiency as the business scales Present portfolio insights, trends, and recommendations to C-level leadership to inform strategic decisions Engage directly with customers, supporting diligence and onboarding for enterprise and global companies Lead the evolution of Credit from a pure risk-minimization function into a driver of profitable growth and an incubator of new product initiatives What You'll Bring: 4+ years of commercial credit underwriting, ratings, or related functional experience, including 1+ years of credit operations experience Experience building and managing a credit program, including risk appetite frameworks, credit policies, and forward-looking forecasts that leverage internal portfolio, macroeconomic, industry, and external data Experience working with warehouse lenders, bank partners, or other credit funding partners is a strong plus Knowledge of business credit risk trends and first-party and third-party fraud risks Strong analytical skills and prior experience leveraging large and complex datasets to drive business decisions Commercial card, B2B credit, and/or travel industry credit risk management is a plus Hands-on experience in a fintech/startup environment You combine creative and strategic thinking with operational excellence and sound judgment on complex, non-standard credit cases Strong partnership and communication skills, with proven success working with sales, client management, product, and operations, and with stakeholders of varying business goals and technical knowledge Benefits (for U.S.-based employees) Dental & Vision Benefits Disability & Life Insurance Flexible Spending Account (FSA) Parental Leave Unlimited Vacation Policy Company equity Hybrid and flexible 401K (US) Sounds like your kind of challenge? Send your resume to [email protected], and let's talk!