Atlas ยท 3 weeks ago
Senior Credit Risk Associate
New York, NY
Full-time
Hybrid
Mid, Senior Level
$95K/yr - $125K/yr
4+ years expAtlas is a fast-growing fintech startup that is looking for a Senior Credit Risk Associate to shape their credit strategy and portfolio growth. The role involves underwriting new credit requests, monitoring portfolio performance, and collaborating with cross-functional teams to improve credit decisioning.
Financial Services
Responsibilities
Underwrite new credit requests: assess borrower profiles, evaluate financial statements, and prepare clear, concise credit memos for review and committee approval
Own portfolio monitoring: track performance, identify early warning signals, and recommend proactive measures to manage exposure
Contribute to credit policy development: help refine our underwriting standards, credit limits, and risk appetite as we scale
Collaborate cross-functionally: partner with Finance, Product, and Operations to improve credit decisioning, automate workflows, and streamline processes
Communicate insights clearly: distill complex credit narratives into executive-ready materials that inform leadership and investors
Act as a trusted credit voice: provide thoughtful, independent perspectives on borrower risk and portfolio quality
Qualification
Required
4-6 years of experience in commercial/consumer credit, underwriting, or portfolio risk management, ideally within a bank, credit fund, or fintech environment (preferably consumer)
Proven ability to analyze financial statements, interpret borrower behavior, and make judgment-based credit recommendations
Advanced proficiency in Excel for financial modeling and credit analysis
Exceptional attention to detail, organization, and written communication skills
A proactive, solutions-oriented mindset: comfortable managing multiple deals and deadlines simultaneously
Familiarity with credit documentation, covenants, and ongoing borrower monitoring best practices
Experience working in fast-paced, high-growth startups
Minimum 2 years of experience using SQL; comfortable with reading and analyzing large data sets
Preferred
Bonus points if you've helped implement new underwriting workflows, tools, or policies at a startup or early-stage lending platform
Benefits
Full health, dental, and vision benefits
401(k)
PTO
Professional development support
Company
Atlas
Atlas is a spend management and lifestyle platform for high net worth individuals and families.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase