Senior Manager, Credit Strategy

Company: Gynger
Location: San Francisco
Posted on: May 16, 2025

Job Description:

About UsGynger is the first B2B payments and embedded financing solution purpose-built for buyers and sellers of technology. Gynger helps finance teams reduce cash burn by paying tech bills over time on flexible terms, and pull receivables forward without disrupting customer relationships. With Gynger, businesses can finance hardware, software, and other tech-related purchases, while sellers can reduce friction at sale by offering flexible payment terms to their customers through a seamless payment experience.Gynger, based in NY, was founded by serial entrepreneur Mark Ghermezian, the co-founder and founding CEO of Braze, a now ($4B+) publicly traded company. To date, Gynger has facilitated thousands of payments for its customers across hundreds of vendors, including AWS, Google Cloud, Okta, Cisco, Salesforce, HubSpot, Oracle, GitHub, Snowflake and Amplitude.In 2024, Gynger announced its $20 Million Series A funding led by PayPal Ventures and $100 Million debt facility from CIM. Additional world-class investors include Gradient Ventures (Google's AI-focused venture fund), Velvet Sea Ventures, BAG Ventures, Deciens, Vine Ventures, Upper90, Quiet Capital and m]x[v Capital.We're a team of innovators, problem-solvers, and growth enthusiasts committed to creating a dynamic and rewarding work environment. We believe that with exceptional software and access to capital, companies can propel to new heights, and we're here to make it happen. Join us as we redefine the way companies grow and thrive in the fast-paced world of technology. Are you up for the challenge?The Opportunity:Gynger is seeking a Sr. Manager, Credit Strategy to shape Gynger's credit brain. You'll own the end-to-end underwriting strategy - from data-source selection and fraud detection to automated decisioning rules and manual credit memos - so we can approve more good customers, faster, with confidence.This is an exciting opportunity to play a critical role at a high growth, category creating startup. You will have exposure to many aspects of the business and be given the opportunity to build products and processes that change the way businesses buy and sell technology.In this role you will...

• Define our credit policy, exposure limits, and risk-based pricing frameworks for both installment and revolving products.
• Identify, vet, and integrate third-party data sources (banking, accounting, alternative data, KYC/KYB, fraud signals).
• Build and iterate automated decision engines; set score-card cutoffs, override rules, and second-look paths.
• Lead complex manual underwrites on higher-risk or higher-exposure deals; coach analysts on financial-statement analysis and covenant structuring.
• Develop early-warning and portfolio-monitoring dashboards; partner with Collections on triggers and loss-mitigation tactics.
• Collaborate with Product & Engineering to embed credit logic into our platform and ensure flawless customer experience.
• Stay ahead of regulatory guidance (UDAAP, ECOA, fair lending) and align policies accordingly.You have...
  • 7 - 10years of experience in credit risk underwriting strategy for SMB and/or mid-market lending, card, or BNPL platforms.
  • Experience using analytical tools like SQL, Python, R or similar.
  • Bachelor's degree in related field preferred.$175,000 - $200,000 a yearWe Offer...--- The opportunity to join one of the fastest growing Fintech Series A companies in NYC.--- The ability to revolutionize the B2B SaaS market.--- A tight-knit, collaborative team who are passionate about building startups.--- Competitive salary, equity, flexible PTO, and robust benefits (medical, dental, vision etc.).--- Built-In and "Best Places to Work."Our Values:Win Together- Move, grow, and win as a team.Be Accountable- Be true to yourself, to your team and to your customers.Stay Curious- Dig deep and always thirst for knowledge.Listen to Understand- Uncover what is really being communicated.Go Above & Beyond- Go the extra mile and unlock the thrill of being a pioneer.We're focused on building and fostering a diverse, flexible, and inclusive space that allows our team members to thrive. We're an Equal Opportunity Employer and consider applicants without regard to race, color, national origin, gender, sexual orientation, genetics, age, marital status, veteran status, disability status or any other basis forbidden under federal, state, or local law.
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Keywords: Gynger, Laguna , Senior Manager, Credit Strategy, Executive , San Francisco, California