Senior Manager, Credit Strategy

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.

Last year, Gynger 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:

Gynger is seeking a Sr. Manager, Credit Strategy to shape Gynger’s credit brain. You’ll own the end‑to‑end underwriting strategy - from data‑source selection and fraud detection to automated decisioning rules and manual credit memos - so we can approve more good customers, faster, with confidence.

This is an exciting opportunity to play a critical role at a high growth, category creating startup. You will have exposure to many aspects of the business and be given the opportunity to build products and processes that change the way businesses buy and sell technology.

• Define our credit policy, exposure limits, and risk‑based pricing frameworks for both installment and revolving products.
• Identify, vet, and integrate third‑party data sources (banking, accounting, alternative data, KYC/KYB, fraud signals).
• Build and iterate automated decision engines; set score‑card cutoffs, override rules, and second‑look paths.
• Lead complex manual underwrites on higher‑risk or higher‑exposure deals; coach analysts on financial‑statement analysis and covenant structuring.
• Develop early‑warning and portfolio‑monitoring dashboards; partner with Collections on triggers and loss‑mitigation tactics.
• Collaborate with Product & Engineering to embed credit logic into our platform and ensure flawless customer experience.
• Stay ahead of regulatory guidance (UDAAP, ECOA, fair lending) and align policies accordingly.

• 7 - 10 years of experience in credit risk underwriting strategy for SMB and/or mid‑market lending, card, or BNPL platforms.
• Experience using analytical tools like SQL, Python, R or similar.
• Bachelor's degree in related field preferred.

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 and 2025 "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.

We’re focused on building and fostering a diverse, flexible, and inclusive space that allows our team members to thrive. We’re an Equal Opportunity Employer and consider applicants without regard to race, color, national origin, gender, sexual orientation, genetics, age, marital status, veteran status, disability status or any other basis forbidden under federal, state, or local law.