Job Description

Clearco is the leader of AI, data-driven ecommerce funding and has advanced over $2.5 billion in non-dilutive capital to over 10,000 businesses. Our revolutionary Invoice Funding product allows entrepreneurs to fund their expenses-including marketing and inventory-without giving up cash flow so they can plan for the future.

What your day-to-day will look like:

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Conduct comprehensive reviews

of Clearco customers to reach robust credit decisions following established risk frameworks

Perform detailed financial statement analysis

to evaluate the financial health of businesses and effectively communicate findings to key stakeholders

Collaborate with the credit team

to develop and refine risk frameworks and underwriting processes

Support ad-hoc requests and projects

from internal stakeholders, often with time constraints

Test and validate financial metrics

and ratios used in Clearco's financial statement analysis to enhance efficiency and accuracy

Maintain working knowledge

of Clearco's internal financial underwriting framework, authorization limits and escalation processes

Perform KYB/KYC checks

in accordance with internal compliance procedures to identify and flag business risks

Conduct regular analysis

of portfolio segments to identify emerging risks and support remediation planning

Advise on process improvements

and operational efficiencies within the underwriting workflow

Stay current

on underwriting best practices and industry developments

You will thrive if you have:

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Graduated

from an analytics, business, accounting, economics, or finance program

3-5 years

of finance, credit underwriting, consulting, commercial banking, or analytics experience

Solid experience

in financial underwriting, credit analysis, and risk management

Working knowledge

of SMB credit underwriting, preferably in a commercial banking or specialty finance environment

Strong analytical abilities

to break down complex problems and develop clear solutions

Experience with technical platforms

such as CRMs, SQL, Tableau, or similar data analysis tools

Familiarity

with e-commerce business models and key performance metrics

Excellent communication skills

with the ability to present findings clearly to stakeholders

Detail-oriented mindset

with strong problem-solving capabilities

Ability to work independently

while collaborating effectively within a team framework

Experience

working in fast-paced, high-performing environments

Interest in mentoring

and developing junior team members

Nice to have:

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Previous experience

with revenue-based finance, fintech, or alt finance products

Knowledge

of compliance requirements related to privacy, KYC, and AML protocols

Experience

with statistical analysis and report writing, particularly with e-commerce brands

Understanding

of process automation and operational efficiency concepts

Customer-facing experience

in a professional services context

What we're looking for:

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Results-oriented approach

with a track record of meeting goals and deadlines

Growth mindset

with eagerness to take on increasing responsibilities

Strong attention to detail

while maintaining efficiency in high-volume environments

Collaborative spirit

with ability to build positive relationships across teams

Adaptability

to changing priorities and business needs in a dynamic fintech environment

Professional maturity

to handle sensitive financial information and make sound judgments

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.