Head of Credit & Underwriting

Head of Credit
New York or San Francisco • In-office • Reports to VP of Finance

About Atlas

Atlas is the concierge charge card for high-net-worth individuals and their companies. We pair 24/7 concierge access with no-preset-limit spending, giving members entry to dining, travel, and experiences that are otherwise impossible to get. We've crossed $1B in annualized transaction volume.

We're backed by Y Combinator, Elad Gil, O1 Advisors, and other leading fintech and consumer investors. The team is lean and senior, with experience across Apple, Robinhood, and Rimowa.

The Role

- You will own every decision about who gets an Atlas card, how much they can spend, and how we manage credit risk across a portfolio of the wealthiest consumers and businesses in America.

- This is not a policy role. You won't write documents and hand them off. You'll be in the data, in the underwriting logic, and sitting with engineering to build the systems that make credit decisions in real time. You'll own line sizing for members who spend $50K to $500K a month and need spending power that flexes with their behavior, not a static number. You'll own the application flow so qualified members get approved fast and the rest get declined cleanly. And you'll own the facility relationships that fund the whole portfolio.

- Atlas is a charge card, not a revolving card. Members pay in full every month, so the risk profile is fundamentally different and the strategy has to reflect that. If your instinct is to run standard FICO-based decisioning on a population of founders, family office principals, and PE partners, this isn't the right fit. Our members have complex income, concentrated assets, and thin traditional files. You need to be creative about how you assess them and confident making calls with imperfect data.

What you'll actually do

- Own line sizing end to end. Build dynamic limits that expand with payment behavior and cash flow, not static tiers. A member who pays $200K on time...