Senior Credit Analyst

At Every we're reimagining back-office operations for startups. Our platform simplifies finance, compliance, HR, and more - helping founders stay focused on building, not paperwork. We offer everything a startup needs in one place: Banking, Cards, Bill Payments, Bookkeeping, Tax, HR, Payroll, and Benefits-all with 10x better workflows using AI. We're a Series A startup backed by YC and Redpoint Ventures (Instacart, Stripe, Ramp), growing fast, and building a world-class team.

The Role

We're looking for a Senior Credit Analyst to be Every's first dedicated credit hire. You'll work directly with leadership to review inbound charge card applications, sharpen our underwriting criteria, and help build a credit program that scales responsibly. This is a high-impact individual contributor role sitting at the intersection of credit analysis and portfolio risk. You should have direct experience reviewing and decisioning corporate charge card applications (not consumer cards).

The credit dynamics, data signals, and risk considerations are different, and we need someone who already understands that distinction. This role is right for someone who's comfortable working from incomplete data, wants to shape a credit function from0-1, and isn't looking to execute inside a large institution.

What You'll Do

Application Review & Decisioning

• Review inbound charge card applications and make approve / decline / manual review recommendations

• Handle manual reviews for edge cases, exception requests, and higher-limit applications

• Document your decisioning rationale clearly for each application

• Manage the application queue and keep turnaround times tight for applicants

Underwriting & Model Iteration

• Apply and refine underwriting criteria, scoring logic, and credit limits by customer segment

• Analyze repayment data to spot patterns and recommend adjustments

• Help build out decisioning criteria as we accumulate more repayment and transaction history

• Flag anomalies, fraud signals, and high-risk patterns to leadership

Portfolio Monitoring

• Track portfolio performance: delinquency rates, payment failures, ACH returns, and loss trends

• Surface early warning signals and recommend proactive interventions

• Produce regular reporting on portfolio health for internal stakeholders

• Support compliance with relevant regulations (ECOA, Fair Lending, NACHA)

Cross-Functional Work

• Partner with product and engineering on credit tooling, including application flows, internal review dashboards, and repayment infrastructure

• Work with operations on collections, customer escalations, and disputes

• Contribute to vendor evaluations for credit bureaus, bank data providers, and fraud tools

You Have

• 5+ years in credit analysis, underwriting, or credit risk at a fintech, bank, or credit union

• Hands-on experience reviewing and decisioning corporate charge card applications; consumer card experience alone won't transfer here

• Familiarity with business credit products: charge cards, revolving credit, or business loans

• Strong analytical skills, comfortable in Excel or Google Sheets

• Ability to work independently and manage a high-volume queue with accuracy and speed

Nice to Have

• Experience at a charge card issuer (Brex, Ramp, Divvy, Capital One, Amex)

• Exposure to credit scoring model development or scorecards

• Familiarity with Plaid or bank data providers used for cash flow underwriting

• Experience underwriting small and medium-sized businesses (SMBs)

• Python or R for data analysis