Credit Leader
Endeavorflow · New York
About this role
## Credit Leader **Location:** New York, NY / San Diego, CA **Type:** Full-Time ### About Endeavor Endeavor is a small team building infrastructure to scale credit capability for patient financing. This is the **first credit hire**—you will **build the team and the playbook** from the ground up. ### What You Will Do - Assess gaps in Endeavor’s financing coverage across the **FICO spectrum** and identify where patients fall out of the funnel without a matching offer - Build and lead Endeavor’s **underwriting infrastructure** (models, data pipelines, and lender feedback loops) - Design and manage a structured **data-sharing framework** with lender partners to improve waterfall placement, approval rates, and MDR economics - Evaluate lender performance across **credit quality, coverage breadth, and approval rates**; surface actionable insights to leadership and partners - Partner with the **Head of Lending** and **CTO** to embed credit intelligence into the Endeavor platform and patient application experience - Define **risk policies** and underwriting guidelines as Endeavor expands into additional healthcare verticals beyond dental - Identify and evaluate new lender partners to fill coverage gaps—especially for **near-prime and sub-prime** patients with the highest rejection rates ### What We Are Looking For - **10+ years** in credit risk, underwriting, or risk modeling (ideally consumer lending, fintech, or healthcare finance) - Proven experience building/improving **risk models** and using credit data to drive measurable business outcomes - Fluency in the consumer lending stack, including: - **FICO scoring**, alternative data, bureau pulls - waterfall logic - **MDR/pricing economics** - Comfortable working with lender partners on data-sharing agreements, underwriting criteria, and program performance reviews - Analytical and hands-on: able to **write SQL**, interpret model outputs, and present findings clearly to non-technical stakeholders - Startup mentality: you build without waiting for a team to form - Experience in medical, dental, or point-of-sale lending is a plus ### Why Endeavor You’ll be building something that doesn’t exist yet—where credit decisions on the platform directly determine whether a patient gets care. You’ll sit close to the founders, have full business visibility, and the autonomy to define what “credit at Endeavor” looks like—from models and lender partnerships to policy.
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