Senior Underwriter

Cashera is a technology-driven fintech funding platform serving gig workers and small businesses across the United States. With over $1 billion funded across its group's portfolio, Cashera combines technology, data, and industry know-how to deliver fast, flexible finance solutions for small and medium-sized enterprises.OverviewWe are seeking a highly experienced Senior Underwriter who can operate across both merchant cash advance (MCA) and structured / asset-based lending environments. This is not a traditional MCA underwriting role. We are building a next-generation credit platform that combines speed and automation with the ability to structure complex, high-value transactions. The ideal candidate understands risk in both high-velocity small business funding and bespoke, collateral-driven deals.You will play a key role in shaping credit strategy, structuring transactions, and driving portfolio performance.Key ResponsibilitiesUnderwrite and approve deals across multiple products:Merchant Cash Advances (small business / high volume)Asset-based loans (ABL)Structured / collateral-backed transactionsSelect private credit and mezzanine-style opportunitiesStructure complex transactions, including:Collateralized deals (UCC filings, liens, guarantees)Multi-layer capital stacks (senior / junior / mezzanine)Custom repayment structures based on cash flow and assetsAnalyze financial and risk:Bank statements, tax returns, financial statementsCash flow modeling and repayment capacityCollateral valuation and downside protectionOwn credit decisions end-to-end:From initial review → structuring → approval → fundingWork closely with sales, capital partners, and legalDevelop and refine underwriting models:Improve approval quality, pricing, and loss ratiosBalance growth vs. risk across different credit productsPortfolio oversight:Monitor performance of funded dealsAdjust credit strategy based on real-time dataRequirements5+ years underwriting experience, with exposure to:Merchant Cash Advance (required)Asset-based lending / commercial lending (required)Structured finance, private credit, or mezzanine deals (strong plus)Strong understanding of:Credit risk and cash flow analysisCollateral structures (liens, guarantees, security interests)Deal structuring and risk-adjusted pricingAbility to evaluate both:High-volume, fast-turn dealsComplex, bespoke transactionsComfortable making independent credit decisions with significant authorityExperience working with brokers, ISOs, or direct origination channelsIdeal Candidate ProfileThinks like an investor, not just a processorComfortable operating in an entrepreneurial, fast-moving environmentAble to move between $5K MCA deals and $500K+ structured transactions seamlesslyStrong judgment, speed, and creativity in structuring dealsWants to help build a scalable credit platform, not just underwrite filesCompensationCompetitive base salaryPerformance-based bonus tied to:Deal qualityPortfolio performanceFunding volumeWhy This RoleOpportunity to work across multiple credit products, not just MCADirect impact on building a modern lending platformHigh visibility and growth into a Head of Credit / Chief Lending role