VP of Credit (NYC)

About Us:

Gynger is the first embedded financing platform built for buyers and sellers of technology. We simplify the end-to-end purchasing process by enabling businesses to pay, finance, and manage all of their technology expenses from one platform. For sellers, we provide an opportunity to extend flexible payment options to their customers while still getting paid upfront.

Gynger recently 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.

Gynger was founded by serial entrepreneur Mark Ghermezian, the co-founder and founding CEO of Braze, a now ($4B+) publicly traded company. Gynger is revolutionizing how companies buy and sell technology, disrupting a $4.7 trillion dollar industry. 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.

Gynger is on a mission to help companies scale with the technology they love. We are based in NY and are growing at an exceptional rate. If you’re looking for an opportunity to disrupt an industry and leave your mark, Gynger is the company for you.

The Opportunity:

As our VP of Credit, you will own Gynger’s credit and fraud risk management over the customer lifecycle. You will lead our efforts to develop, implement, and oversee credit and fraud policies and procedures that balance risk/reward, support ongoing operations, and ensure our portfolio's health and sustainability.

To be successful in this role, you need to be adept at both strategic thinking and tactical execution, with a strong data-driven approach to decision-making.

This is an exciting opportunity to be the most senior credit/risk hire at a high growth, category creating startup. You will have exposure to all aspects of the business and be given the opportunity to lay the credit and risk foundation for the company. You will report directly to the CEO while managing our existing credit/risk team, with the opportunity to scale the team over time.

In this position you will…

• Play a leadership role within the company and collaborate closely with the Product & Engineering, GTM, and Finance teams to design innovative lending products and implement them.
• Manage relationships and reporting to external stakeholders including board, banking partners, investors, and regulatory bodies, effectively communicating credit metrics and setting expectations with relevant internal and external factors.
• Create and iterate on the company's credit risk management strategy and policies to ensure alignment with business objectives and requirements.
• Lead the credit risk assessment framework, incorporating advanced data analytics and machine learning models to enhance decision-making and risk prediction.
• Oversee the entire credit lifecycle to ensure optimal performance by managing the loan portfolio from origination through servicing to collections and recoveries.
• Provide leadership and guidance to the credit and operation teams, fostering a culture of continuous improvement and data-driven decision-making.
• Stay abreast of industry trends, regulatory changes, and advancements in technology that can impact our credit risk framework and lending products.

You have…

• 10+ years of experience in credit risk management, with a significant portion in the B2B fintech and/or lending space.
• A Bachelor’s degree in STEM, Economics, or Finance (a Master’s in any of these fields is highly preferred).
• Ideally: Proficiency with BI tools (e.g. Tableau, Looker), underwriting platforms (e.g. Alloy, Experian, Heron etc.), familiarity with commercial credit bureau data, and loan management systems (e.g. LoanPro).
• Work out of our NYC office 4 days/week (Monday through Thursday).

We 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 2024 "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.