[Hiring] Director of Credit @Capchase

Role Description

Capchase is on a mission to transform how hardware and software companies sell and get paid, revolutionizing the equipment financing space. We are looking for a Director of Credit who can carry the responsibility of underwriting large files and building syndication relationships.

What you'll own

• Large-ticket underwriting, hands-on and AI-driven:
  • Underwrite large tickets using audited and CPA-reviewed financials.
  • Assess leverage, coverage, liquidity, and quality of earnings.
  • Write the credit memo and defend it at the Credit Committee.
• Credit authority and the escalation desk:
  • Hold delegated signing authority in the sub-$500k band.
  • Act as a key escalation point for analysts, sales, and vendor partners.
• Syndication and capital-markets readiness:
  • Own the standard for Capchase files to clear external credit teams.
  • Work with Capital Markets on eligibility criteria and manage referrals.
• Leasing and transaction structure:
  • Handle cross-border structure and restricted-jurisdiction carve-outs.
• Credit policy and portfolio:
  • Co-own the credit policy with the VP Risk.
  • Monitor watch list, delinquency, and loss trends.
• Automation partnership:
  • Work with critical systems on the decisioning stack.
• Support the team:
  • Coach and calibrate underwriters.
  • Run credit calibration sessions.

What good looks like

• First 90 days: Own the escalation queue end to end.
• Six months: Standardized large-ticket memo and measurable improvement in time-to-decision.
• Twelve months: Policy and engine at parity with a credit team that operates independently for standard deals.

Qualifications

• 6 to 12+ years in commercial credit: equipment leasing, vendor or captive finance, specialty finance, bank ABL, or middle-market commercial lending.
• Experience personally underwriting and signing large-ticket commercial credit: $1M+ single obligor.
• Genuine leasing background with knowledge of lease structures and documentation.
• Syndication experience: buying or selling paper, participations, or forward-flow.
• Held delegated credit authority and made calls under time pressure.
• Strong writing skills for memos that persuade a Committee.
• AI-first mindset: using AI for productivity and decision-making.

Nice to have

• Formal bank and/or leasing credit training program, CFA, CPA, or equivalent grounding.
• Multi-jurisdiction and multi-currency underwriting experience.
• Experience in a scale-up environment.
• SQL or BI comfort for portfolio analysis.
• Exposure to automated decisioning platforms.

How we work

Small team, high autonomy, short distance to the decision. Credit has a real seat here: we are not a growth org with a risk function bolted on. We value diversity and are an equal opportunity employer.