Capchase provides flexible payment solutions to B2B software, cloud, and AI companies. Our core product offering, Capchase Pay, is a flexible buy-now-pay-later payment option for B2B SaaS, hardware, and cloud purchases. It helps companies sell more and collect their cash faster.
Capchase was founded in 2020 and is headquartered in NYC. We’ve provided over $2.5B in funding to thousands of companies and operate in eight countries across North America and Europe. To carry out our mission, we've raised over $1B in capital from some of the best fintech investors and credit facility partners, including QED (Nubank, Klarna), 01 Advisors (Tipalti, MasterClass), Bling Capital (Airtable, GitLab, Lyft, Square), SciFi (Stripe, Brex), and Caffeinated (Opendoor, Airtable).
Some of our achievements:
Supporting thousands of software companies and software buyers
100 Capchasers representing 15+ nationalities
Active in 8 markets
Top Decile Growth
Ranked #2 across the entire BNPL category, #1 for B2B
In December 2024 we reached the top of the Installment Payment, BNPL category on G2, #1 in B2B, and surpassed 2,000 Vendors and Buyers using Capchase Pay.
Why work with us?
Help accelerate an industry
At Capchase, we’re building a category that hasn’t existed before—so we mean it when we say every day is different. We’re always looking for the brightest minds to join us. We’re a diverse team of 15+ nationalities with a shared passion for helping innovative companies thrive. Join the climb with us!
We are looking for a talented and motivated Risk Analyst to continue building the world's best fintech risk team. As a Financial Analyst, you will take full responsibility for assessing the risk of SaaS companies of every shape and size. The final advance decision will be mainly dictated by the output of your analysis. You will continuously contribute to the general underwriting process by suggesting specific improvements to the Tech and Underwriting teams. In this position, you will be exposed to numerous and innovative ways of assessing risk that allow us to minimize default rates and underwriting time.
You'll work alongside exceptional professionals and very close to the founding team. The Risk team at Capchase is responsible for underwriting, pricing and portfolio monitoring while being supported by an incredibly talented Data Science team.
What will you do?
* We will rely on you to thoroughly assess the credit risk of SaaS companies by analyzing their financial health and preparing insightful memos for credit committee approval. You'll have to go the extra mile to make sure we didn't miss anything along the way.
* You will come up with alternative, less orthodox ways of looking at risk, that allow us to underwrite faster and more accurately. Consistent and structured approaches shouldn't necessarily be at odds with thinking outside the box. We want you to be critical.
* You will work closely with the Data Science team to automate manual underwriting processes and to test out new hypotheses. No one is good at everything - we get it. So we're putting technical firepower at your disposal so we can streamline processes together.
* You will collaborate with the Growth team bringing the learnings from the underwriting process to drive origination within our risk appetite. Unlike other organizations, the growth and risk teams at Capchase are not pulling in opposite directions.
* Your contribution to the underwriting process will act as a key input for the senior management team to make strategic customer and portfolio decisions. Why would we hire the cream of the crop and then tell people how to do their job?
Who are you?
* Bachelor’s degree in relevant subjects (Finance, Accounting, Engineering, Mathematics/Physics, Business, etc.).
* You know financial statements inside out.
* +3 years of relevant experience at a FinTech risk/credit team, rating agency, Big 4 firm, bank, or the credit risk team of an asset manager/credit fund/hedge fund.
* Extremely eager to learn and to constantly improve the underwriting process.
* Strong analytical and quantitative skills.
* Mastery of Excel and other spreadsheet tools
Bonus Points
* Experience analyzing SaaS/recurring revenue companies (e.g. at a VC).
* Experience in payments, collections or operations at a start-up.
* Familiarity with SaaS metrics and business model.
* CFA or CPA certified.
* Experience in relevant coding languages like SQL or Python.
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
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