Exponent Financial · 1 day ago
Director of Credit
New York, NY
Full-time
Onsite
Mid, Senior Level
$125K/yr - $150K/yr
5+ years expExponent is the fastest growing financial technology platform tailored for franchise and independent brand operators. They are hiring a Director of Credit to help grow and manage their lending, charge card, and capital markets segments, focusing on credit assessment and portfolio management.
Financial Services
Responsibilities
Underwrite business and franchisee borrowers using financial statements and unit-level economics
Set and adjust credit limits, loan structures, and loan pricing based on emerging performance and portfolio trends
Produce high-quality credit memos and present recommendations to senior leadership and capital partners
Help manage customer credit portfolios (includes loans, card receivables, and AP financing)
Contribute to credit policy development, scorecard improvements, and data-driven risk rules across Exponent’s lending and charge-card products
Assist in managing and tracking Exponent's funding partnerships and credit pipelines
Assist in Exponent's FP&A, modeling, and company projections
Qualification
Required
5+ years of underwriting or credit risk experience in SMB lending, franchise finance, or commercial banking
Strong analytical capability: financial statement analysis, cash-flow assessment, sensitivity scenarios, and risk grading
General experience with accounting and financial analysis
Clear, concise communicator able to synthesize data into actionable credit recommendations
Desire to work in hyper growth startup environment
Preferred
Familiarity with QSR/franchise models, unit economics, and operator risk factors
Benefits
PTO
Healthcare
HSA/FSA
Company
Exponent Financial
Exponent is the first financial technology platform built for QSRs and franchise operators, providing industry-specific credit cards, automated spend management, and flexible financing solutions.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase