---
title: 'VP of Commercial Lending, Risk, and Underwriting at nitra'
canonical: 'https://feeny.ai/job/vp-of-commercial-lending-risk-and-underwriting-nitra-new-york-new-york-4v47ddr47czy'
type: 'job'
last_seen: '2026-09-13'
---

# VP of Commercial Lending, Risk, and Underwriting at nitra

- **Company:** nitra
- **Location:** New York New York, United States
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-27
- **Last confirmed live:** 2026-09-13
- **Apply:** https://jobs.lever.co/nitra/24639233-cfbe-4866-9f7b-2f3a793c6b9b

## Job description

Who we are: Nitra's mission is to build a more efficient healthcare system and the technology that makes it possible.  Our goal is to provide an ecosystem of fintech and software solutions that help doctors better manage their practices, so they can have time back to focus on what matters to them most.

We operate with urgency, intensity, and ambition. The bar is high because the opportunity is massive. We expect excellence, ownership, and intellectual rigor from every team member. We move fast, make bold decisions, and hold ourselves accountable to results. At the same time, we believe great companies are built on trust and respect. Every voice matters. Every contribution counts. When we win, we win together.

We are scaling rapidly and on a clear trajectory toward becoming a unicorn this year — and beyond. Our growth is not accidental; it’s the result of disciplined execution, relentless focus, and a team that refuses to settle. We are building a category-defining company, and we’re looking for people who want to do the most meaningful work of their careers.

If you want comfort, this isn’t the place. If you want impact, ownership, and the chance to help build a generational fintech company, welcome.

Nitra was created by unicorn founders who have successfully scaled to thousands of customers and exited $1B+ public offerings. They are joined by an ambitious and experienced team from American Express, Citi, PayPal, Capsule, Plaid, Bloomberg, Meta, Facebook, and Mastercard. The team is backed by some of the world’s leading VCs (Andreessen Horowitz, NEA, etc.) and is supported by an expert group of advisors including the cofounders of Square and Xendit, executives from Intuit, former Governors, White House senior staffers, and a co-founder of CityMD.

Nitra maintains a hybrid work policy, with team members working from the office four days per week and Wednesdays designated as a work-from-home day.

We're looking for: We are seeking a VP of Commercial Lending, Risk, and Underwriting to build and lead Nitra’s lending business. This is a senior, entrepreneurial role responsible for driving new lending revenue while building the credit and risk infrastructure required to scale responsibly. The VP will effectively serve as the GM of Nitra’s lending business, overseeing existing lending products while identifying, launching, and scaling new lending categories across healthcare. The ideal candidate has a strong commercial lending or credit background, experience launching lending products or programs, and the judgment and entrepreneurial mindset to operate in a high-growth environment.

Your responsibilities will include:

- Own and grow Nitra’s lending business, with accountability for originations, interest and fee revenue, gross profit, and portfolio performance.
- Oversee and expand FlexPay, Nitra Claims Factoring, and Equipment Lending, while developing new equipment leasing, working capital, and commercial real estate lending programs.
- Identify and launch new lending products and credit programs based on customer needs, market opportunities, and Nitra’s broader banking strategy.
- Develop new origination channels and strategic partnerships with PE-backed sponsors, MSOs, healthcare operators, and credit-intensive specialties.
- Partner with Sales, Marketing, and Customer Success to identify lending opportunities within Nitra’s existing customer base and create repeatable cross-sell and referral motions.
- Design credit strategies, underwriting frameworks, pricing, eligibility criteria, and risk parameters for new lending products.
- Build and scale underwriting, portfolio monitoring, collections, and fraud management processes, including automation and technology-enabled risk controls.
- Monitor portfolio performance and proactively manage delinquencies, defaults, concentration risk, and other emerging credit risks.
- Partner with Product, Engineering, and Finance to build scalable lending infrastructure and operational workflows.
- Help build the team, processes, and capital infrastructure required to scale Nitra’s lending business.

You have:

- 10+ years of experience in commercial lending, commercial banking, private credit, specialty finance, equipment finance, healthcare finance, or a related credit environment.
- Proven experience building, launching, or scaling lending products or programs, ideally from the ground up.
- Strong commercial credit underwriting, structuring, pricing, and portfolio management experience.
- Experience across one or more relevant areas including healthcare lending, equipment finance, working capital, receivables, asset-backed lending, or specialty finance.
- A track record of turning credit expertise into new products, markets, partnerships, or revenue opportunities.
- Entrepreneurial mindset with the ability to operate independently, make decisions with imperfect information, and build in a high-growth environment.
- Strong commercial judgment and the ability to balance growth, risk, and portfolio economics.
- Excellent communication skills and the ability to work directly with senior leadership, customers, capital partners, and strategic partners.

We Offer:

- Equity - Everyone at Nitra is an owner. When the company wins, you win.
- Competitive Salary - You’re the best of the best, and your salary will reflect your experience and reward your contributions to Nitra.
- Health Care - Your health comes first. We offer comprehensive health, vision, and dental insurance options.
- Retirement Benefits - Your financial stability matters to us so we provide a generous employer 401K match.

## About nitra

## Company Overview
- **One-liner**: Nitra provides a unified financial platform for independent medical practices, combining spend, capital, back office, and front desk AI solutions to create the first fully autonomous healthcare practice.
- **Entity Type**: Private (Series B, $194M total funding)
- **Headquarters**: New York, USA
- **Founded**: 2021
- **Founders**: Tim Hwang (Chairman, Co-Founder and CEO), Jonathan Chen (President & Co-CEO)

## Core Business
- **Primary industry/industries**: Fintech, Healthcare IT, Financial Services
- **Target customers**: Independent medical practices, multi-site specialty groups, MSOs, and hospital-affiliated networks (B2B)
- **Mission or purpose statement**: "Create a more efficient healthcare system and the technology that makes it possible." [nitra.com/about-us](https://nitra.com/about-us)

## Products & Services
- **[Spend (Nitra Card)](https://nitra.com)**: A Visa business card built specifically for medicine, with a marketplace (NitraMart) that prices what practices buy. Free BillPay, Accounting, and Expenses included.
- **[Capital](https://nitra.com)**: Loans and financing for equipment, growth, and outstanding claims, moving with the practice’s needs.
- **[Back Office](https://nitra.com)**: Automated bills, books, and expense management – no manual reconciliation.
- **[Front Desk (TrinaOne AI)](https://nitra.com)**: AI-powered assistant that answers phones in any language 24/7, verifies insurance before visits, and automatically codes invoices. Syncs with Nextech and QuickBooks.
- **NitraMart**: A marketplace for medical supplies and services aggregated for better pricing.

## Market Standing
- **Valuation/Market Cap**: Not publicly available (private company)
- **Key Metric**: Annual Revenue ~$4M (est.) with $1B+ practice spend processed and $20B committed to independent medicine. [linkedin.com](https://www.linkedin.com/company/nitrahq)
- **Notable Investors/Partners**: Andreessen Horowitz (a16z), New Enterprise Associates (NEA), Sazze Partners, Pantera, KB Financial Group, Jerry Yang, Will Smith’s Dreamers VC, Dunamu & Partners, CoVenture. [nitra.com/about-us](https://nitra.com/about-us)
- **Growth Signals**: Headcount grew 170% YoY (to 76 employees); 62 active job postings; offices in New York, Washington DC, and Taipei; recently closed $50M Series B in March 2026. [linkedin.com](https://www.linkedin.com/company/nitrahq)

## Competitive Advantages
- **Full-stack platform purpose-built for healthcare**: Unlike generic fintech cards, Nitra ties spending, capital, back-office automation, and AI front-desk into one HIPAA-aware, SOC 2 Type II system.
- **Data flywheel effect**: The card trains the books, the books inform capital – each module makes the others smarter.
- **Deep integrations** with existing EHRs (Nextech) and accounting tools (QuickBooks), minimizing switching costs.
- **White-glove onboarding** that gets practices running in days, not months.
- **Visa Business Network & FDIC-insured partner bank** backing.

## Strategic Focus
- Scaling the fully autonomous practice vision by expanding the platform's AI capabilities (TrinaOne), deepening specialty-specific features for multi-site groups, and growing international presence (offices in three continents). [nitra.com/careers](https://nitra.com/careers)
- Aggressive hiring across engineering, product, sales, and customer success to support rapid growth.

## Why Work Here
- **Hybrid working model**: Collaborate in person four days a week with built-in flexibility. [nitra.com/careers](https://nitra.com/careers)
- **Platinum-level health insurance** (health, vision, dental) and pre-tax commuter benefits with 25% company match.
- **Competitive salary** reflecting top-tier talent plus equity ownership ("Everyone at Nitra is an owner").
- **Generous 401k match** and retirement benefits.
- **Global team culture** with offices on three continents and a high-performance, collaborative environment.
- **Rapid career growth** – 62 open roles across multiple departments with a 1967% YoY increase in job postings. [linkedin.com](https://www.linkedin.com/company/nitrahq)

## Sources
1. [nitra.com](https://nitra.com) – Product details and company description
2. [nitra.com/about-us](https://nitra.com/about-us) – Investors and mission
3. [nitra.com/careers](https://nitra.com/careers) – Benefits, culture, global offices
4. [jobs.lever.co/nitra](https://jobs.lever.co/nitra) – Open positions
5. [linkedin.com/company/nitrahq](https://www.linkedin.com/company/nitrahq) – Headcount, revenue, funding, employee demographics

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