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Financial Underwriting Lead

BreezeNew York City, NYFinance/Accounting
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Salary
$110K - $140K USD
Job type
Full-time
Posted
24 Sept 2026
Status
Open · checked 7d ago

About this role

Role Overview

The Financial Underwriting Lead at Breeze in New York City is an on-site, hands-on role managing merchant risk, financial exposure, and approval decisions for global commerce infrastructure. This position suits a candidate with corporate credit or venture debt experience who wants to build underwriting policies from the ground up in a rapidly growing fintech environment.

Key Responsibilities

Review and underwrite new merchant applications by analyzing financials, unit economics, and business model liabilities to make documented approve, decline, or conditional choices.
Establish and manage exposure limits, volume caps, holdbacks, and reserves.
Monitor existing portfolios, adjust terms based on changing risk profiles, track realized losses, and maintain escalation pathways.
Design and update credit policies, scorecards, and exposure reporting that meet bank and auditor standards.
Utilize AI and data tooling to accelerate file reviews and decision-making processes.
Collaborate closely with Sales, Treasury Operations, and Risk and Compliance teams while supporting bank and acquirer due diligence.

Requirements

Two to three years of professional experience in corporate debt analysis and underwriting, such as venture debt, commercial banking, private credit, growth lending, or startup lending books.
Background in underwriting startups and privately held companies, with the ability to evaluate fast-moving, unaudited financials.
Proven ownership of credit decisions, including writing and defending credit memos.
Strong fluency in financial statements, cash flow analysis, runway, burn rates, and unit economics.
Advanced Microsoft Excel skills for building models and analyzing large transaction-level datasets.
Experience leveraging AI for finance and analysis workflows.

Nice to Have

Background in payments, marketplaces, fintech, or Merchant of Record models.
Familiarity with settlement risk, chargebacks, refunds, rolling reserves, card scheme monitoring, and chargeback ratios.
Experience developing or improving underwriting policies and scorecards.
Working knowledge of BigQuery or similar data tools.
Exposure to digital goods, gaming, the creator economy, subscription models, or prediction markets.

Skills and Tools

Corporate credit analysis and financial underwriting
Financial statement and unit economics evaluation
Risk mitigation and portfolio monitoring
Advanced Microsoft Excel modeling
AI-enabled financial tooling
Policy and scorecard creation

Salary and Benefits

Annual base salary range of $110,000 to $140,000 in New York City, determined by experience, skills, and qualifications.
Comprehensive health coverage with 100% of employee premiums and 75% of dependent premiums covered on the base plan.
21 days of paid time off plus applicable company holidays.
401(k) plan with all plan administration fees covered.
Meaningful company equity.
A new MacBook Air and required equipment for work.
Annual office and professional development allowance.
Monthly wellness reimbursement.
Annual global offsite trips.

About the Company

Breeze builds AI-powered infrastructure for global commerce, combining stablecoins, AI, global payments, and a Merchant of Record model to handle compliance, risk, fraud, and support for businesses. The company is backed by prominent investors including Sequoia Capital, Multicoin Capital, and The Chainsmokers. Based in New York City with a hybrid work model requiring three days per week in the office, Breeze offers a collaborative and fast-paced environment for builders.

How to Apply

To apply for this position, please visit the official Breeze careers page and submit your application online.

Questions candidates ask

What is the salary for the Financial Underwriting Lead role at Breeze?

The annual base salary range for this position in New York City is $110,000 to $140,000, depending on experience, qualifications, and skills.

Where is this job located?

This position is located in New York City, NY, operating on a hybrid model that requires working from the office three days per week.

How many years of experience are required?

The role requires 2 to 3 years of experience in corporate debt analysis and underwriting within sectors like private credit, commercial banking, venture debt, or growth lending.

What benefits does Breeze offer employees?

Breeze provides 100% employer-paid health coverage for employee base plans and 75% for dependents, 21 days of PTO, fully covered 401(k) administration fees, equity ownership, a MacBook Air, wellness reimbursements, an office and education allowance, and annual global offsites.

Who backs Breeze?

Breeze is backed by Sequoia Capital, Multicoin Capital, and The Chainsmokers.

Ready to apply?

The application is on the official Breeze careers page.

Apply on company site