---
title: 'Underwriter at Capchase'
canonical: 'https://feeny.ai/job/underwriter-capchase-pakistan-e8t329s1sc6n'
type: 'job'
last_seen: '2026-09-04'
---

# Underwriter at Capchase

- **Company:** Capchase
- **Location:** Pakistan
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-12
- **Last confirmed live:** 2026-09-04
- **Apply:** https://jobs.ashbyhq.com/capchase/c8184a34-9d0b-4599-a8aa-54b15db50f12

## Job description

Capchase is on a mission to transform how hardware and software companies sell and get paid, revolutionizing the equipment financing space. Recently named a 2026 Monitor Best Company in Innovation, we're recognized for embedding flexible payment terms directly into the sales workflow, helping teams close faster without the friction of a separate financing system.

We're the modern platform for financing leading enterprise solutions: built for direct and channel sales motions, with $2B+ funded, approvals in seconds, and a seamless experience for both sellers and buyers. Backed by leading fintech investors including 01A, Thomvest, QED, SciFi, and Invesco, we've raised $700M+ in equity and debt to fuel our growth.

In just over five years, we've scaled from four co-founders to 80+ Capchasers across 10 markets, supporting thousands of companies globally and processing billions in payment volume.

Since our launch in 2020, we've achieved several milestones: ➡ 10K+ active vendors, channel partners and buyers 🙌 Built a team representing over 15 nationalities 🌎 Active in 10 markets 📈 Top decile YoY growth 👫 Built an awesome culture https://www.notion.so/9f798084322a4a719654b38ac108645a?pvs=21.

In December 2024 we reached the top of the Installment Payment, BNPL category on G2 https://www.capchase.com/lp/g2-installment-payment-bnpl-software-report, #1 in B2B.

Why work with us?

Help accelerate an industry!

At Capchase, we are transforming how software and tech-enabled hardware equipment gets financed, we move and innovate fast. 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!

## About the Role

Our Credit team is looking for a detail-oriented, decisive credit professional to join as an Underwriter. You'll review the credit profile of potential borrowers, apply our proprietary credit policy to approve credit, and help vendor and channel partners close more deals by delivering an industry-best response time on credit decisions. This is a foundational role for anyone who wants hands-on exposure to how commercial credit risk is assessed and managed at a fast-growing fintech.

## What You'll Do

- Performing risk assessments on potential commercial borrowers based on commercial credit bureau information, internal borrowing history, and other firmographic and risk factors
- Evaluating compliance requirements (including OFAC and KYC screening)
- Efficiently and accurately employing a proprietary credit policy to assign borrower ratings, credit limits, and specific loan features
- Clearly articulating when and why additional details or financial documents are required
- Evaluating borrower documents to ensure accuracy and completeness
- Spreading customer financial information and analyzing standard financial ratios
- Supporting colleagues and leaders in large, complex transactions
- Recording loan application decisions and the specific basis for decision
- Performing all duties with a focus on client relationships and superior customer service

## What You'll Need

- 3-5 years experience in commercial financial services, credit risk preferred
- 3+ years underwriting commercial borrowers
- 2+ years in a transactional operations environment with high-volume processing
- Bachelor's degree in finance, engineering, computer science, or related discipline
- Strong analytical capabilities with excellent attention to detail
- Experience with US commercial lending practices
- Ability to maintain US working hours and holiday schedule

Nice to Haves

- Prior experience underwriting vendor- or channel-financed transactions
- Familiarity with equipment leasing/financing concepts (ELFA-adjacent) as applied to tech
- Experience with Salesforce or a comparable loan origination/CRM system
- Exposure to fintech, SaaS, or B2B lending environments
- Experience at a high-growth startup

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.

## About Capchase

## Company Overview
- **One-liner**: Capchase provides a modern vendor financing platform for B2B software, cloud, and hardware companies, enabling flexible payment terms and instant upfront payment.
- **Entity Type**: Private (Series B; $80M Series B in 2022, $125M Series A in 2021, plus a $200M+ incremental fundraise in 2024)
- **Headquarters**: New York, NY, USA (with offices in Madrid, Barcelona, and San Francisco)
- **Founded**: 2020
- **Founders**: Przemek Gotfryd, Miguel Fernandez, Luis Basagoiti, Guli Moreno

## Core Business
- Primary industry: Fintech / B2B Payments & Financing
- Target customers: B2B software vendors, resellers, OEMs, and enterprise buyers (mid-market to Fortune 500)
- Mission: "To help SaaS companies grow faster by accessing revenue earlier and more predictably" and to "fix the friction at the point of sale in B2B software."

## Products & Services
- **Capchase Pay (Buy Now, Pay Later for B2B)**: A financing product that lets vendors offer flexible payment terms to their customers while getting paid upfront. Includes loan servicing, automated billing, and seamless checkout.
- **Instant Underwriting & Offers**: AI-powered credit assessment that approves 97% of applications within 30 seconds, integrated directly into CRM workflows (Salesforce).
- **Multi-Party Deal Management**: Platform for configuring deals, managing quotes, upsells, renewals, and automates document creation and disbursements across vendors, buyers, and channel partners.
- **Vendor Financing Infrastructure**: Combines lending (balance sheet) with software technology, acting as both lender and lender infrastructure — a unique dual role in the market.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (conflicting reports: listed as "Next Billion Dollar Startup" by Forbes in 2024, but no specific valuation figure available)
- **Key Metric**: Over $2.5 billion in total financing volume powered as of 2025 (mentioned on Built In); $2B+ cited on homepage
- **Notable Investors/Partners**: Backed by leading fintech investors (specific names not detailed in search results); enterprise partners include Palo Alto Networks, Barracuda, CDW, Insight, Verkada, and Motive
- **Growth Signals**: 
  - Secured $200M+ in incremental funding in 2024 to scale AI-native financing infrastructure
  - Expanded to 9 countries (US, Canada, UK, Ireland, Spain, Finland, Belgium, Netherlands, Sweden)
  - Surpassed 2,000 active vendors and buyers
  - #1 in B2B Installment Payments & Buy Now, Pay Later on G2
  - 30-40% increase in deal win rates for vendors; 45% increase in average order value
  - 100% of vendors paid on time and in full in 2025

## Competitive Advantages
- **Dual Role as Lender & Technology Provider**: Unlike banks (slow processes) or pure SaaS fintechs (no balance sheet), Capchase both lends directly and provides the lending infrastructure — a rare combination.
- **AI-Native Underwriting**: 97% of applications approved in under 30 seconds using publicly available data and CRM data.
- **Salesforce Embedded**: Credit checks, quote generation, and loan documents can be executed without leaving the CRM, reducing friction for sales teams.
- **Proven Enterprise Adoption**: Trusted by major tech companies like Palo Alto Networks, CDW, and Insight, demonstrating scalability and reliability.

## Strategic Focus
- Scaling AI-native financing infrastructure to serve Fortune 500 enterprise tech companies.
- Expanding geographic reach (currently 9 countries) and deepening partner ecosystem.
- Continuing to automate and streamline the entire deal lifecycle — from underwriting to disbursement to collections.
- Growing the "Agentic Lending Coordinator" capability to serve large, complex multi-party deals.

## Why Work Here
- **Culture**: Described as a diverse team of 15+ nationalities with a builder attitude, service mindset, and courageous spirit. Emphasis on innovation, doing the right thing, and open-minded collaboration.
- **Work Model**: Hybrid workspace. In New York office, team comes in at least 3 days a week; remote flexibility exists across roles and locations.
- **Offices**: New York (HQ), Madrid, Barcelona, San Francisco — giving employees geographic flexibility.
- **Growth Trajectory**: Fast-growing fintech startup with $2.5B+ in financing volume, recent large fundraise, and consistent expansion — ideal for those wanting impact in a high-growth environment.
- **Tech Stack**: Built with modern tools; uses Salesforce CRM; engineering team of ~30 product + tech employees (total ~80 employees).

## Sources
1. [capchase.com/careers](https://www.capchase.com/careers)
2. [capchase.com/about](https://www.capchase.com/about)
3. [capchase.com](https://www.capchase.com/)
4. [builtin.com/company/capchase](https://builtin.com/company/capchase)
5. [cbinsights.com/company/capchase](https://www.cbinsights.com/company/capchase)

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