VP of Commercial Lending, Risk, and Underwriting

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.

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.

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.