Clearco
FinServ
PrincipalUnderwriter,SMBRisk
Neural analysis suggests this role is
optimal for Senior candidates.
“Principal Underwriter, SMB Risk at Clearco. Skills: credit underwriting, risk management, financial statement analysis, data-driven credit decisions. Conduct reviews of SMB customers to reach robust, data-driven credit decisions. Own credit decisions for individual accounts (approve/decline recommendations, exposure amounts, and key terms) within Clearco’s authorization and escalation framework”
Industry & Context.
analytical skills to break down complex problems
What They're Looking For.
Must Have
7+ years of experience in credit underwriting, commercial banking, specialty finance, or fintech risk management, Direct experience with SMB credit underwriting and financial statement analysis, Deep expertise in financial underwriting, credit analysis, investment operations, or risk management, Comfort analyzing company data and financial statements to form clear, defensible credit views, Familiarity with e‑commerce business models and digital health metrics, Working knowledge of core compliance standards, including KYC and AML, quantitative and writing skills, with a track record of delivering concise, actionable recommendations, Clear, professional presence for direct customer communication, negotiations, and cross-functional collaboration, analytical skills to break down complex problems
Nice to Have
Builder mindset with a track record of improving processes for scale, Ownership and growth comfortable with radical candor
What You'll Do.
Conduct reviews of SMB customers to reach robust
data-driven credit decisions
Own credit decisions for individual accounts (approve/decline recommendations
and key terms) within Clearco’s authorization and escalation framework
Develop and refine detailed risk frameworks for these decisions alongside the credit team
Undertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects and effectively communicate findings to key stakeholders
Test and refine specific financial metrics and ratios to enhance the speed and accuracy of our underwriting
Maintain expert knowledge of internal risk frameworks
and escalation processes
Conduct ongoing analysis of the credit portfolio to flag risks and execute remediation plans
Stay abreast of underwriting best practices and expand knowledge
How You'll Work.
Team & Collaboration
Work collaboratively with internal stakeholders to complete ad-hoc requests and projects, often with time constraints; Act as a trusted risk advisor to leadership, delivering direct, data-backed recommendations to help the team win; Clear, professional presence for direct customer communication, negotiations, and cross-functional collaboration
Communication Scope
quantitative and writing skills; delivering concise, actionable recommendations; Clear, professional presence for direct customer communication, negotiations, and cross-functional collaboration; effectively communicate findings to key stakeholders
Full Job Description
Clearco is the capital partner that thinks like a founder. We provide fast, flexible, and founder-first funding designed to scale with your momentum. With over $3 billion deployed to 10,000+ brands, our performance-driven model delivers competitive terms, capped weekly repayments, and access to capital in as little as 24 hours. There’s no dilution, no personal guarantees, and no friction. Whether you're securing inventory, funding ads, or launching your next big product, Clearco helps you move faster with confidence. What your day-to-day will look like: - Join Clearco as a senior leader on the diligence and underwriting team - Conduct reviews of SMB customers to reach robust, data-driven credit decisions - Work directly with customers and independently own credit decisions for individual accounts (approve/decline recommendations, exposure amounts, and key terms) within Clearco’s authorization and escalation framework - Develop and refine detailed risk frameworks for these decisions alongside the credit team - Work collaboratively with internal stakeholders to complete ad-hoc requests and projects, often with time constraints - Undertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects and effectively communicate findings to key stakeholders - Test and refine specific financial metrics and ratios to enhance the speed and accuracy of our underwriting - Maintain expert knowledge of internal risk frameworks, authorization limits, and escalation processes - Act as a trusted risk advisor to leadership, delivering direct, data-backed recommendations to help the team win - Conduct ongoing analysis of the credit portfolio to flag risks and execute remediation plans - Continually stay abreast of underwriting best practices and expand knowledge What you’ll bring EXPERIENCE - Degree in analytics, business, accounting, economics, finance, or equivalent practical experience - 7+ years of experience in credit underwriting, c
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