Credit Analyst Manager

ABOUT THE ROLE: Parker’s mission is simple but ambitious: to increase the number of financially independent people. We believe the best way to achieve this is by giving independent business owners the financial tools they need to scale profitably. Our core product combines a virtual corporate card with dynamic spending limits and profitability-focused software tooling—empowering eCommerce merchants to grow faster while staying in control of their margins. We’ve raised over $180M in equity and debt from world-class investors, including Valar Ventures, Y Combinator, SVB, and notable founders such as Solomon Hykes (Docker), Paul Buchheit (Gmail), Paul Graham (Y Combinator), and Robert Leshner (Compound). We’re a Series B fintech scaling rapidly, with strong product-market fit and accelerating demand. We’re now scaling our credit operations and looking for a sharp, thoughtful, and experienced Credit Analyst Manager to help us evaluate business creditworthiness and support disciplined portfolio growth. As a Credit Analyst Manager at Parker, you’ll lead and evolve Parker’s underwriting operations. You’ll own credit policy, streamline processes, and help us strike the right balance between risk and growth. If you're passionate about credit risk, data-driven decisioning, and enabling customers through smarter finance — this role is for you. WHAT YOU’LL DO: - Lead the credit analyst team for new and existing applicants across Parker’s corporate card and lending products. - Refine and maintain credit policies, approval thresholds, and risk segmentation logic. - Analyze financials, bank data, and alternative data sources to assess creditworthiness. - Work closely with Risk, Data, and Product teams to improve automation and develop scoring models. - Support Sales and Success teams with responsive, well-informed credit decisions. - Monitor portfolio performance and adjust underwriting strategies accordingly. - Help build a scalable, high-performing underwriting team over time. WHAT WE’RE LOOKING FOR: - 10+ years of experience in underwriting, credit risk, or lending — ideally with SMBs, eCommerce, or card-based products - Background in fintech, payments or embedded credit products - Strong analytical mindset with experience evaluating financial statements and cash flow. - Familiarity with underwriting automation tools and workflows - Excellent communication skills and a collaborative, low-ego approach - Experience in high-growth startups or fintech environments is a plus NICE TO HAVE: - Experience with transaction-level data underwriting (e.g. Plaid, Open Banking) - Exposure to capital markets or structured finance - Experience with tools like Plaid, Alloy, and Ocrolus WHY PARKER: - Work with a high-caliber team that values ownership and transparency. - Help shape foundational infrastructure at a fast-growing fintech startup. - Competitive comp and meaningful equity