Clicklease Working Capital Operations Manager

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 USDModality: 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 teamDevelop, review, and continuously improve MCA processes including underwriting, servicing, collections to optimize speed, quality, and scalabilityEstablish and enforce guidelines and policies aligned with company goals and market dynamicsOversee escalation management, working closely with executive leadership and ISO partners to resolve issues and align expectationsDrive automation initiatives to reduce manual processing, improve data accuracy, and implement tech and AI solutions balancing efficiency and risk controlMonitor competition and market trends (especially in the US MCA market) to recommend strategic adjustments and maintain competitive edgeCollaborate cross-functionally with Sales, Risk, Compliance, and IT teams to ensure smooth end-to-end MCA lifecycleAnalyze performance metrics, underwriting outcomes, and operational KPIs to identify areas for improvement and growth opportunitiesWhat you have:3+ years of experience in MCA Operations or similar financial services lending product5+ years of experience managing or leading operations teams, ideally in a fast-paced financial services environmentStrong understanding of US MCA market dynamics, competitive landscape, and typical deal structuresExperience with guideline development, credit risk evaluation, and operational process design/improvementFamiliarity with underwriting technology platforms (e.g., Salesforce, Ocrolus) and automation tools is highly preferredExceptional analytical, organizational, and communication skills, with ability to manage multiple priorities and lead through changeAbility to work hands-on in operations queues as needed, maintaining quality control and mentoring staffComfortable 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 Operations teams during rapid growth phasesExperience with process improvement methodologies or project management. Knowledge of compliance, fraud prevention, or credit policy development in MCA or alternative lendingFamiliarity with US bank account validation and credit reporting toolsBilingual skills (English/Spanish) to support diverse applicant base and internal communicationsWhy 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 environmentPeople-first cultureDiverse and inclusiveFun is part of the jobYour voice mattersAt 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/careersWhat We OfferCompetitive salary paid in USDHybrid schedule (office in Alajuela near the airport)Private medical and life insurancePaid holidays and vacationAsociación SolidaristaWellness initiativesTwo large family-friendly company parties each yearClicklease 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. Apply to this Job