Senior Credit Analyst

Role: Senior Credit Analyst

Location: Remote in the US with 20% Travel.

Engagement: Full Time

Salary: $100,000 - $180,000 Base Pay + Startup Equity + World Class Benefits

References: We value strong references - 3 work references to corroborate your experience and skills. We will also backchannel references.

About Us:

Manufactured is a venture backed inventory platform. We are building the first inventory exchange for SMBs creating, making, and selling physical products around the world. We serve customers doing $1M - $100M in annual revenues in Fashion, Accessories, Healthcare, Construction Materials, CPG, Food, Electronics, Home Goods, Industrials, and Commodities. 

With over 2000+ vendors across 25 countries (and growing), we make the inventory cycle a breeze by handling everything from vendor discovery and negotiation to shipping, warehouse coordination, quality control, PO advances, through to collections. With over $150 million in volume powered by Manufactured since we launched in 2019, we deliver a compelling inventory partnership for fast growing SMBs. 

We are a post-Product Market Fit, Series A startup that is growing 850% Year on Year. There is tremendous opportunity in our ~27 person team to take ownership, make an impact, and build an extremely rewarding, accomplished career. 

We don’t care about: 

• Where you went to college
• What you studied
• If you’ve worked at blue chip companies 

We do care about: 

• What you’ve done
• What you can do
• How you’ll do it 

This looks like: 

• Making success a priority: We value ownership, initiative, and tenacity 
• Having a point of view: We hire smart people and want to hear opinions. We’re low ego, and we welcome feedback and new ideas informed by data and intuition 
• Being a good person and teammate: We all contribute to a positive, inclusive workplace. Direct communication, kindness, and integrity are non-negotiables 

You’ll be trusted and challenged to do your best work in a fast moving, high performing environment. If this sounds like you, please read on! 

Manufactured is looking for a self-motivated Senior Credit Analyst who ideally has the following profile:

• Past experience in Asset based lending, preferably in a startup environment.
• Past experience with Inventory, Supply Chain, e-Commerce, wholesale, factoring, and retail.
• Expert knowledge of Financial Analysis, FP&A breakdown, and Data Organization
• Proven Ability to understand and break down potential Borrowing Capacity at a Financial level using available financial data
• Ability to apply Financial Analysis and Calculations to Digital Data tables
• Self-motivated, high integrity, strong collaborator
• Lifelong learner, Excited by Steep learning curves, new industries, new approaches
• Product driven mindset
• Strong problem-solving, mathematical and analytical skills
• Broad range and curiosity of various markets including manufacturing, sourcing and supply chain
• Excellent Research skills
• Excellent written and verbal communication skills - must be able to handle Customer diligence calls.
• Ability to maintain confidentiality
• Proficiency with computers and computer software, particularly Excel/Google Sheets

High Level Expectations:

• Ability to work in early stage startup environment 
• Strong Understanding of Credit Risk/ SMB business models and common obstacles
• Ability to work cross functionally with CEO, COO, Finance, Operations, Product and Engineering internally and with external embedded software vendors and clients
• Enter, update and retrieve information for financial records
• Determine the creditworthiness of business applicants & end obligors
• Designate the degree of risk involved in extending credit by performing a cash flow analysis of each business.
• Ensure that all approved applications comply with MFD lending criteria
• Ongoing, self-directed monitoring of industry trends and developments
• Relationship driven.
• Collaborative mindset and team spirit.
• Understand customer needs.
• Result oriented, over-communicative.

Day to Day Responsibilities:

• Own end-to-end underwriting for SMB credit deals — from gathering docs and analyzing financials to running KYB/KYC checks (UCC, LexisNexis, Allianz) and assessing overall risk.
• Write clear, actionable credit memos with funding recommendations and present them to our internal credit committee and capital partners.
• Manage a growing portfolio of SMB loans, track performance, spot red flags early, and keep things on track post-close.
• Work directly with clients — sending LOIs, explaining terms, and helping them understand the value we bring.
• Package and share diligence materials with funding partners, walking them through the deal thesis, red/green flags, and overall fit.
• Partner closely with engineering to improve internal tools, automate manual workflows, and tighten up the credit process.
• Support capital raise and investor diligence efforts — fast turnarounds, clear data, and no bottlenecks.
• Maintain and regularly update internal models — requires expert-level Excel/Google Sheets and comfort working with complex, dynamic sheets.
• Build new models as we launch new products and revenue streams; support 13-week cash flow forecasting and scenario planning.
• Be a subject matter expert on every approved company — know their financial standing, deal terms, collateral position, and any emerging risks or delays.

Must Have Experience / Skills:

• 3+ years experience at Credit / Asset based Lending to USA / Canada based businesses.
• Startup / Fintech Experience preferred
• Demonstrated experience working in a cross functional team.
• Past experience of operating systems, frameworks and implementing credit policy.
• Must demonstrate ability to work cross functionally within a specific industry of Inventory / Supply Chain financing.
• Demonstrated ability to rapidly learn a new skill / business / industry and execute complex projects with a sharp attention to detail.
• Proficient with Excel, Google Sheets, Adobe Suite, Google Drive, Gmail and Slack.
• Strong understanding of automation, AI tools and able to leverage software and AI to drive tasks.
• Detail oriented and highly organized.

Nice to Have Experience / Skills:

• Startup Culture / Experience working in small, agile, fast moving teams.
• Prior Fintech experience.
• Past experience working in a fully remote team across time zones.

Working at Manufactured:  

We’re a remote first company, based in Los Angeles. Our team is around thirty people strong, and growing quickly. 

Manufactured is a small, fast growing startup. Which means we deal with ambiguity and require a sense of ownership from all our team members. This is reflected in our core values. 

Our core values are: 

Urgency: Always act like an owner, seek help in case of delays beyond 48 hours, move quickly when you have enough information (usually 70-75%), know when to dive in if there’s a crisis, and hold true to the best possible timelines without compromising on quality, value or process.

Authenticity:  Be Authentic, be real, be respectful both, in front of and behind a person’s back. If you are frustrated, you’re frustrated. If you’re stuck, you’re stuck. If you’re worried, you’re worried. Let's support each other in resolving these issues. Be upfront and respectful in your conversation. We are a multi cultural, distributed, global team. Respectful authenticity in communication is critical.

Contextual Ownership: Our business is as much about people and relationships as it is about technology and process. We take time to build relationships and understand the needs of our internal and external partners. Context and empathy helps us understand the “why”. We set goals and drive outcomes based on context and realities, rather than tasks and processes alone.

Effectiveness: Did it work? Did it solve the problem? Was it a short term hack? or a long term process solution that benefits everyone? Was it something we can use to grow / move forward or was it a defensive solution. Did we meet our stakeholders’ expectations, did we exceed them? Did our stakeholders all win? Are you using your time correctly? Are you helping your team members use their time well? Are you contributing to the growth of the company?

Critical path thinking:  "What is the shortest risk-mitigated route to the Best Potential Outcome?"

Our CEO and Founder, Pranay Srinivasan, writes often on LinkedIn about our culture and operating principles. We recommend these articles in particular: 

Our Core Values

Our operating framework: OBAS 

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