Senior Manager, Independent Commercial Payment Product Credit Underwriting

Location: Office-based in New York, NY, or one of the following U.S. locations: Hoover, AL; Chicago, IL; Detroit, MI; Pittsburgh, PA; Charlotte, NC; Dallas, TX; Minnetonka, MN; Atlanta, GA; Columbus, OH; Houston, TX.

Salary: $125,000–$255,000 annual base salary, plus eligibility for applicable incentive compensation.

Company

hirify.global provides banking and commercial financial services.

What you will do

• Lead multiple commercial payment underwriting teams, set priorities, allocate resources, and maintain consistent decision quality.
• Oversee financial and credit analysis using applications, financial statements, bank statements, tax returns, bureau information, and ownership structures.
• Establish decision practices and delegated authority for corporate cards, ACH processing, B2B virtual cards, and real-time payments.
• Direct settlement limits, transaction thresholds, reserves, collateral, guarantees, and other risk-mitigation terms.
• Evaluate business models, sales practices, payment activity, chargeback, reversal, fraud, fulfillment, and financial-loss risks.
• Lead account reviews, portfolio renewals, exposure-limit increases, underwriting improvements, and resolution of complex operational and organizational issues.

Requirements

• Bachelor’s degree.
• At least 10 years of relevant experience in commercial credit, commercial underwriting, merchant acquiring, commercial payments, portfolio risk management, or a related financial-services discipline.

Nice to have

• Experience underwriting complex commercial credit or payment exposures using financial, bureau, ownership, and operational data.
• Experience overseeing approval, conditional approval, and decline decisions for higher-risk or larger-exposure commercial relationships.
• Knowledge of corporate cards, ACH processing, virtual cards, real-time payments, or merchant payment acceptance.
• Experience establishing exposure limits, reserves, collateral, guarantees, transaction controls, or other risk-mitigation structures.
• Experience developing departmental priorities, allocating resources, resolving complex risk issues, and influencing senior business and risk stakeholders.
• Experience underwriting merchant-acquiring, payment-processing, corporate-card, treasury-management, or integrated-payables relationships.
• Experience assessing chargeback, settlement, payment-reversal, fraud, and fulfillment risk for card-present and digital payments.
• Knowledge of card-network requirements, commercial payment regulations, underwriting controls, and portfolio-monitoring practices.
• Experience developing underwriting policies, approval authorities, decision frameworks, quality-assurance practices, or risk-rating methodologies.
• Advanced degree or relevant professional certification in finance, accounting, credit, payments, or risk management.

Culture & Benefits

• Full-time, exempt position with an office workplace type; specific arrangements are provided by the hiring team.
• Benefits include health insurance, wellness programs, life and disability insurance, retirement savings, paid leave, paid holidays, and paid time off.
• Eligible for applicable incentive compensation.