Job Description
About Cashera
Cashera Capital is a fast-growing fintech company providing quick, accessible cash advances to gig workers and independent contractors across the U.S. and Mexico, including drivers and couriers on platforms such as Uber, DoorDash, and Instacart. Our products are designed to deliver fast liquidity, with an average advance size of $750, helping workers manage short-term cash needs with ease.
Role Overview
Cashera Capital is seeking a Director of Underwriting to lead and oversee the underwriting function within our fintech lending platform. This role is responsible for setting underwriting standards, approving credit decisions, managing risk frameworks, and leading an underwriting team in a fast-paced, technology-driven environment.
The ideal candidate brings hands-on fintech lending experience, strong credit judgment, and the ability to scale underwriting processes while balancing growth and risk.
Key Responsibilities
- Lead and manage all underwriting activities across Cashera Capital’s fintech lending products
- Establish, implement, and continuously refine underwriting policies, credit models, and risk frameworks
- Review and approve credit decisions, including complex or non-standard transactions
- Partner closely with Product, Engineering, Data, Legal, and Operations teams to align underwriting with platform capabilities
- Use data, analytics, and technology to improve underwriting efficiency, consistency, and performance
- Build, mentor, and manage a high-performing underwriting team
Required Qualifications
- Minimum 3 years of underwriting experience within a fintech lending environment
- Strong understanding of fintech credit products, automated underwriting, and data-driven decisioning
- Proven experience approving credit and managing risk at scale
- Strong analytical, decision-making, and leadership skills
- Excellent communication skills and ability to collaborate cross-functionally
- Experience in private credit, specialty finance, or alternative lending
- Familiarity with credit models, scoring systems, and underwriting automation
What We Offer
- Competitive salary and performance-based incentives
- Opportunity to lead a critical function within a growing fintech platform
- High level of ownership and influence on underwriting strategy and risk management
- Collaborative, execution-driven culture
- On-site role with direct access to leadership and decision-makers