Principal Underwriter, SMB Risk

Clearco is the capital partner that thinks like a founder. We provide fast, flexible, and founder-first funding designed to scale with your momentum. With over $3 billion deployed to 10,000+ brands, Clearco is the only platform offering both Cash Advance and Invoice Funding in one place. Our performance-driven model delivers competitive terms, capped weekly repayments, and access to capital in as little as 24 hours. There's no dilution, no personal guarantees, and no friction. Whether you're securing inventory, funding ads, or launching your next big product, Clearco helps you move faster with confidence.

What your day-to-day will look like:

• Become one of the most senior individual contributors on the diligence and underwriting team at Clearco

• Conduct reviews of Clearco customers to reach robust credit decisions

• Develop and refine detailed risk frameworks for these decisions alongside the credit team

• Work collaboratively with internal stakeholders to complete ad-hoc requests and projects, often with time constraints

• Continually stay abreast of underwriting best practices and expand knowledge

• Undertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects and effectively communicate findings to key stakeholders

• Test and refine specific financial metrics and ratios Clearco uses in its financial statement analysis to enhance the efficiency and accuracy of Clearco's underwriting process

• Maintain expert knowledge of and adherence to Clearco's internal financial underwriting framework, authorization limits and escalation processes

• Build positive relationships and trust among key stakeholders and serve as a risk advisor to Credit & Risk leadership

• Conducting regular, ongoing analysis of the Clearco portfolio in order to identify risks and assist with the development of action plans for remediation

What you'll bring:

Experience

• Degree in analytics, business, accounting, economics, or finance

• 7+ years in finance, credit underwriting, consulting, commercial banking, private equity, analytics, or investment banking

• SMB credit underwriting experience, ideally at a bank or specialty finance lender

Technical and Analytical

• Deep expertise in financial underwriting, credit analysis, investment operations, or risk management

• Comfort analyzing company data and financial statements to form clear, defensible credit views

• Strong writing and quantitative skills with crisp recommendations

Domain and Compliance

• Familiarity with e‑commerce business models and metrics

• Working knowledge of compliance: privacy, KYC, and AML

Communication and Influence

• Clear, confident communication and cross‑functional collaboration

• Ability to build and deliver training on finance and risk management

• Polished, customer‑facing presence for external meetings, negotiations, and presentations

Mindset

• Strong analytical skills to break down complex problems

• Builder mindset with a track record of improving processes for scale

• Ownership and growth mindset; comfortable with radical candor

Clearco is an equal-opportunity employer. We celebrate our inclusive work environment and welcome members of all backgrounds and perspectives to apply. At Clearco, we're committed to developing and upholding an inclusive, transparent, and comfortable environment for all. We create a space where every voice, perspective, and idea is heard and acknowledged. We embrace differences and know that our diverse team is our strength and what drives our innovation.

Clearco is committed to developing a barrier-free recruitment process and work environment. If you require any accommodation, please let us know and we'll work with you to meet your accessibility needs.

We may use AI-assisted tools to support the recruitment process (for example, to organize and review applications). These tools inform our review, but people make the decisions. If you have questions about how your information is handled during hiring, please contact us.