Credit Analyst Manager

About The Role:

Parker's mission is to increase the number of financially independent people. We believe we can achieve this goal by building tools that enable independent business owners to scale their businesses profitably. Our core product combines a virtual credit card system with dynamic spending limits and software tooling to help merchants grow and optimize their profitability.

We are looking to expand our headcount quickly to support the demand. Our investors include Solomon Hykes (founder of Docker), Paul Buchheit (founder of Gmail), Paul Graham (founder of Y Combinator), Robert Leshner (founder of compound.finance), and many more. We are a Series B company that has raised over $50M from top-tier fintech investors.

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.

• 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)

• Background in fintech, payments, or embedded credit products

• Exposure to capital markets or structured finance is a nice-to-have.

• Experience with tools like Plaid, Alloy, and Ocrolus.

• Comfort with SQL or Python for data analysis.

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