ScaleFactor, one of Austin's Best Place to Work and voted Coolest Company in Austin, is a high-growth organization that combines trusted experts with intuitive software to solve businesses' accounting and finance needs. We need "A" Players to join our team here at ScaleFactor.

ScaleFactor’s Director of Credit and Lending will lead the development and growth of ScaleFactor’s nascent SMB card program, launched in October 2019. This general manager will work cross-functionally with the product management, engineering, and sales and marketing organizations to build out and expand ScaleFactor’s lending business unit, turning it into a primary source of revenue for ScaleFactor

About  you: 

A strategic thinker and operational leader, the Director of Credit & Lending will be responsible for the success of the card program and adding ancillary lending products to meet the needs of our customers through select partner offerings. S/he will play the driving role in defining, growing, and scaling ScaleFactor’s lending solution suite.

Key Areas of Responsibility:

  • Manage ScaleFactor’s Credit Risk Exposure
    • Serve as ScaleFactor’s Senior Credit Officer and chair the Credit Committee
    • Maintain and comply with all credit policies & procedures
    • Implement effective fraud and security controls 
    • Own and manage relationship with lending bank, card processing, and all other lending vendors/partners
    • Report on credit performance to exec team, board, and key partners
    • Maintain compliance with fair lending, bank secrecy act, and compliance program obligations
  • Ensure Product / Market Fit for ScaleFactor Card
    • Build deep understanding of ScaleFactor customers and prospects, focusing on their existing card use, needs, benefits and rewards
    • Work with marketing to highlight key differentiators for card
    • Maximize spend/share of wallet from existing customers
  • Define and Execute Lending roadmap
    • Identify and sign agreements with lending partners to fill out lending product suite
    • Create deep integrations with core ScaleFactor product and future lending products, driving higher engagement and customer benefit through use of card
    • Identify and secure future program funding source(s)
    • Manage ongoing relationships with lending and financing partners
    • Maintain a highly engaged and high-performing cross-functional team

Success measures:

  • Application volume - # of new applicants to SF card and future lending products
  • Takeup rate - % of existing qualified SF customers who take up the SF card and any other lending product offerings
  • Credit performance - $ loss rate
  • Monthly spend - total $ spent monthly on SF card
  • Share of wallet - total % of non-rent/non-payroll spend on SF card
  • Customer satisfaction / NPS with SF card and any other lending products


  • Bachelor’s or Master's degree, preferably in statistics, mathematics or economics
  • Minimum 5 years relevant work experience in underwriting and digital lending
  • Experience with small business lending
  • Experience working at industry leaders, such as Capital One, American Express, HSBC


  • You get to surround yourself with top talent. We hire the best and push each other to get better every day
  • Work at our industrious new office located in East Austin, next to cool neighborhood spots like Austin Bouldering Project, Friends and Allies, and Sa-Tén 
  • Health, dental, life, and vision insurance 
  • 401K starting Q2  2020
  • Unlimited PTO, flexible hours and optional work offsite days
  • Free parking and centrally located offices accessible to local bus lines 
  • Periodic free onsite massages, yoga, meditation classes
  • Pet friendly HQ
  • Catered Friday lunches,  unlimited snacks & drinks, lunch & learns, some bagel/taco days

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