Credit Analyst Manager

About the Company

Parker's mission is to increase the number of financially independent people by providing independent business owners with the financial tools they need to scale profitably. We offer a virtual corporate card combined with dynamic spending limits and profitability-focused software tooling for eCommerce merchants.

Responsibilities

• Lead the credit analyst team for new and existing applicants across 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

Requirements

• 10+ years of experience in underwriting, credit risk, or lending
• Experience 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 approach

Preferred Qualifications

• 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