Financial Underwriting Lead

<div class="content-intro"><p>At Breeze, we're building the AI-powered infrastructure layer for global commerce, making it radically simpler for businesses to sell, get paid, and operate across markets.</p> <p>We go far beyond traditional payment processing. Breeze combines global payments, AI, stablecoins, and a Merchant of Record-like model to take on the complexity businesses typically manage themselves, including compliance, risk, fraud, chargebacks, reconciliation, and customer support.</p> <p>Our goal is simple: let businesses focus on building and selling great products while Breeze handles the complexity behind getting paid.</p> <p>Backed by <strong>Sequoia Capital</strong>, <strong>Multicoin Capital</strong>, and <strong>The Chainsmokers</strong>, Breeze is a successful, rapidly growing, and exceptionally well-capitalized company. We have the runway to think long term while remaining early enough that every person joining today can have a meaningful impact on what we build.</p></div><p><strong>Overview</strong></p> <p>Every merchant Breeze takes on creates an opportunity to grow and real financial exposure to manage. We’re hiring a Financial Underwriting Lead to own the decisions behind that growth: which merchants we support, on what terms, and how we protect Breeze from chargebacks, refunds, fraud, and merchant failure.</p> <p>You’ll own underwriting from application through ongoing monitoring, combining corporate credit analysis with sharp financial judgment to make high-impact decisions. This is a hands-on builder role with the autonomy to create the policies, scorecards, and processes that will shape how Breeze manages risk and scales globally.</p> <p><strong>What You'll Do</strong></p> <ul> <li>Underwrite new merchant applications: analyze financials, funding, runway/burn/unit economics; assess the business model's liability tail; make approve/decline/conditional decisions with a documented rationale</li> <li>Set reserves, holdbacks, volume caps and exposure limits</li> <li>Run portfolio re-reviews, adjust terms as merchant risk changes, maintain a watchlist/escalation path, track realized losses back into the framework</li> <li>Build and maintain underwriting policy, scorecard, and exposure reporting to a standard that satisfies a bank/auditor</li> <li>Use AI/data tooling to speed up file review and decisioning</li> <li>Partner with Sales, Treasury Ops, Risk/Compliance, and support bank/acquirer diligence</li> </ul> <p><strong>What We're Looking For</strong></p> <ul> <li>2–3 years of experience in corporate debt analysis and underwriting — venture debt, growth lending, revenue-based finance, private credit, commercial banking, or a startup lending book</li> <li>That experience should include underwriting startups and privately held companies.You should be comfortable forming a view from incomplete, unaudited, fast-moving financials if needed. </li> <li>Demonstrated ownership of a credit decision: you have written the memo, taken a position, and defended it to a committee or a decision-maker</li> <li>Fluency with financial statements, cash flow analysis, runway, burn and unit economics</li> <li>Advanced Excel (comfort building models and working with large transaction-level datasets) and some degree of experience in AI enablement of finance and analysis workflows</li> </ul> <p><strong>Nice to Have</strong></p> <ul> <li>Payments/fintech/marketplace/MoR exposure; chargeback/refund/settlement risk</li> <li>Rolling reserves, holdbacks, chargeback ratios, card scheme monitoring</li> <li>Experience building/impro