At Clicklease, we're on a unique mission – to empower the small business owners often overlooked by traditional lenders. If you're considering joining our team, envision yourself at the heart of our vibrant headquarters in West Valley City, UT, or contributing to our impactful operations from Radial, Alajuela, Costa Rica. At Clicklease, we've cultivated a dynamic work environment that goes beyond routine services. At Clicklease, you'll play a pivotal role in transforming equipment financing into a gateway for entrepreneurs to turn their dreams into reality. If you're passionate about purpose-driven work, innovation, and making a tangible impact, Clicklease is where your career journey begins.

Join us in shaping a future where every business owner has the opportunity to thrive.

Compensation: Competitive salary paid in USD

Modality: Hybrid schedule (office in Alajuela near the airport)

Schedule: Monday to Friday, 8:00 a.m. to 5:00 p.m.

What you’ll be doing:

• Lead and grow the Merchant Cash Advance (MCA) operation in Costa Rica, including hiring, coaching, and managing the underwriting and operations team

• Develop, review, and continuously improve MCA underwriting processes and operational workflows to optimize speed, quality, and scalability

• Establish and enforce underwriting guidelines and policies aligned with company goals and market dynamics

• Manage underwriting volume by actively underwriting alongside the team, ensuring quality and timely decisioning during high volume periods

• Oversee escalation management, working closely with executive leadership and ISO partners to resolve issues and align expectations

• Drive automation initiatives to reduce manual processing, improve data accuracy, and implement tech solutions balancing efficiency and risk control

• Monitor competition and market trends (especially in the US MCA market) to recommend strategic adjustments and maintain competitive edge

• Collaborate cross-functionally with Sales, Risk, Compliance, and IT teams to ensure smooth end-to-end MCA lifecycle

• Analyze performance metrics, underwriting outcomes, and operational KPIs to identify areas for improvement and growth opportunities

What you have:

• 3+ years of experience in MCA underwriting or similar financial services lending products, preferably with hands-on underwriting background

• 5+ years of experience managing or leading underwriting or operations teams, ideally in a fast-paced financial services environment

• Strong understanding of US MCA market dynamics, competitive landscape, and typical deal structures

• Experience with underwriting guidelines development, credit risk evaluation, and operational process design/improvement

• Familiarity with underwriting technology platforms (e.g., Salesforce, Ocrolus) and automation tools is highly preferred

• Exceptional analytical, organizational, and communication skills, with ability to manage multiple priorities and lead through change

• Ability to work hands-on in underwriting queues as needed, maintaining quality control and mentoring underwriters

• Comfortable managing escalations and collaborating with senior executives and external partners (ISOs)

• Bachelor’s degree in Finance, Business, or related field preferred (or equivalent experience)

What will make you stand out:

• Prior success leading MCA underwriting or operations teams during rapid growth phases

• Experience with process improvement methodologies or project management.

• Knowledge of compliance, fraud prevention, or credit policy development in MCA or alternative lending

• Familiarity with US bank account validation and credit reporting tools

• Bilingual skills (English/Spanish) to support diverse applicant base and internal communications

Why Work for Clicklease At Clicklease, we believe small businesses are the backbone of the economy—and we’re here to help them grow. We’re a fast-growing fintech company with a big heart and an even bigger mission: to make equipment financing easy, inclusive, and accessible.

What makes Clicklease different?

• High-growth environment

• People-first culture

• Diverse and inclusive

• Fun is part of the job

• Your voice matters

At Clicklease, we don’t just talk about our values—we live them. Join us and help make financing awesome. To learn more about our values, visit https://www.clicklease.com/careers

What We Offer

• Competitive salary paid in USD

• Hybrid schedule (office in Alajuela near the airport)

• Private medical and life insurance

• Paid holidays and vacation

• Asociación Solidarista

• Wellness initiatives

• Two large family-friendly company parties each year

Clicklease is an equal opportunity employer and prohibits discrimination and harassment of any kind. We are committed to ensuring that all employees and job applicants are treated with respect and dignity regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other characteristic protected by applicable law. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.