Underwriting & Funding Manager (Fintech)

Location: Austin, in-person, United States

Salary: $120,000–$155,000 base salary plus benefits

Company

hirify.global connects diners with restaurants through an app that provides dining rewards while supporting restaurant partners.

What you will do

• Review restaurant funding applications, financial statements, sales trends, bank activity, existing obligations, and supporting materials.
• Underwrite restaurant businesses by evaluating operating performance, cash flow, liquidity, ownership experience, repayment capacity, and unit-level economics.
• Recommend funding amounts, structures, conditions, and risk mitigants, and approve or decline requests within delegated authority.
• Prepare underwriting summaries covering opportunities, assumptions, key risks, and decision rationale.
• Lead diligence with restaurant owners and internal teams, resolve questions, verify information, identify discrepancies or potential fraud, and confirm funding readiness.
• Improve underwriting standards, approval workflows, reporting, automated decision-making, and future decisions by comparing funded-restaurant performance with underwriting assumptions.

Requirements

• 4+ years of experience in commercial underwriting, small business financing, fintech lending, credit analysis, investment analysis, or a related field.
• Strong financial statement analysis and modeling skills, including evaluating cash flow, liquidity, leverage, repayment capacity, and unit-level economics.
• Experience independently evaluating transactions, assessing financial and operational risks, and making or recommending funding decisions.
• Experience building, implementing, or improving underwriting processes with a focus on automation, operational efficiency, and scalable decision-making.
• Ability to translate underwriting policies, financial thresholds, risk indicators, and approval requirements into structured business rules and automated workflows.
• Strong analytical and technical aptitude, including working with financial datasets, identifying patterns, validating information, and supporting data-driven underwriting decisions.
• Strong Excel or Google Sheets skills, including financial modeling, scenario analysis, and transaction-level data.
• Familiarity with underwriting systems, financial data platforms, automated decisioning tools, or workflow automation technologies.
• Ability to partner with Product, Engineering, and Data teams to define requirements, test solutions, and implement improvements to underwriting systems and processes.
• Sound commercial judgment, clear written and verbal communication, strong organization, attention to detail, and the ability to manage multiple funding reviews and process-improvement initiatives.

Nice to have

• Restaurant, hospitality, or multiunit business underwriting experience.
• Familiarity with restaurant POS data, payment processing systems, seasonality, food and labor costs, and location-level profitability.
• Experience with alternative financing structures, including revenue-based financing or merchant cash advances.
• Experience implementing automated underwriting workflows, rules-based decision engines, risk-scoring models, or automated approval processes.
• Experience integrating or analyzing financial data from banking platforms, POS systems, payment processors, or third-party data providers.
• Working knowledge of SQL and experience with Snowflake, Sigma, Tableau, or similar data and business intelligence platforms.
• Experience using AI, machine learning, or automation tools to improve financial analysis, document processing, risk assessment, or underwriting efficiency.
• Experience building or refining underwriting policies, approval frameworks, and risk management processes in a high-growth fintech or lending environment.

Culture & Benefits

• In-person work in Austin.
• $120,000–$155,000 base salary.
• Benefits are provided.
• Equal opportunity and commitment to an inclusive work environment.