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Torpago · 1 day ago

Senior Underwriter

San Francisco Bay Area

Full-time

Hybrid

Senior Level

5+ years exp

Torpago is a fast-growing, Series B fintech company redefining credit card and expense management, purpose-built for banks. They are seeking a hands-on Senior Underwriter to execute and maintain underwriting, credit risk, and onboarding practices across multiple bank-partner programs.

B2BEmployee BenefitsFinancial ServicesFinTechSoftware

Responsibilities

Perform end-to-end underwriting for commercial credit card applicants, including financial analysis, risk assessment, and credit decisioning

Review financial statements, supporting documentation, and credit memos

Apply established credit policies, approval thresholds, and risk frameworks

Support exception handling and non-standard underwriting cases

Work closely with partner banks to support underwriting standards and ongoing risk operations

Participate in new program implementations by supporting underwriting and KYC/CIP workflows

Serve as a key risk stakeholder for live bank programs

Support customer onboarding risk reviews, including CIP / KYC checks

Ensure onboarding practices align with bank and regulatory expectations

Partner with Operations and Compliance on escalations and exceptions

Assist with ongoing portfolio monitoring and risk trend analysis

Contribute to recommendations around credit limits, controls, and policy adjustments

Support periodic risk reviews and reporting

Partner with Sales as needed to explain underwriting and risk processes to prospects and partners

Qualification

Commercial credit underwritingFinancial statement analysisCash flow underwritingCredit memo preparationRisk policy applicationKYC / CIP requirementsWritten communicationVerbal communication