Clutch Deploys Lending AI Across 30 Million Credit Union Members and Expands Product Team

Clutch, an AI origination platform built for credit unions, now serves 30 million credit union members across the United States. According to PR Newswire, six of the top ten credit unions in the country operate on the platform, representing roughly one in five credit union members in America and more than $450 billion in combined partner assets.

The company's software business is doubling year over year, while its AI platform revenue grew 450% over the same period. To maintain that pace following a $65 million Series B round, Clutch is expanding its engineering, deployment, and go-to-market teams. The company currently lists 14 open roles across the United States and Brazil, recruiting specialists including a Staff Product Manager, AI Agents and a Forward Deployed Engineer.

The Core Product: Automated Origination and Specialized Agents

Founded in 2012 and backed by investors including Andreessen Horowitz, Clutch builds digital origination systems to manage the end-to-end banking journey across deposits and consumer loans.

In mid-2026, the company introduced the Clutch Lending Automation System (LAS). As reported by ATM Marketplace, LAS unites three systems:

• Digital Account Opening and Loan Origination (DAO/DLO): Captures member applications across digital, branch, dealership, and call center channels in under five minutes, reducing application times by 2x to 4x.
• Fastlane: An automated decisioning engine that evaluates applications against a credit union's internal policy rules and real-time relationship history, achieving automated decisioning rates between 70% and 85% across underwriting and fraud detection.
• Clutch Fulfillment: A workflow management application that surfaces member data and policy rules to guide credit union employees through applications that require manual review.

Beyond LAS, Clutch deploys seven specialized AI agents covering the credit union customer lifecycle: intake and remarketing of abandoned applications, origination, new account activation, protection product enrollment, servicing hardship detection, assistance and recovery, and dormant account re-engagement. Across partner origination flows, Clutch's agents collect 80% of required documents without employee intervention, while partner collections teams report a 34% drop in forward roll rates.

Leadership and Foundation

Clutch is led by a combination of fintech operators and enterprise infrastructure architects.

Co-founder and CEO Nicholas Hinrichsen previously co-founded auto retail marketplace Carlypso (YC S14) after earning an MBA from the Stanford Graduate School of Business. Co-founder and Chief Product Officer Christopher Coleman, an MIT mechanical engineering alumnus, previously co-founded Carlypso and embedded systems monitoring company Memfault.

Co-founder, Chairman, and CEO Ned Moore studied economics at Villanova University and co-founded Ethos Treatment. Co-founder and Chief Strategy Officer Andy O'Dell brings enterprise sales and marketing leadership from Skepsu, alongside Co-founder and CTO Dan Guy. Guy, a Wilkes University graduate, spent over a decade leading enterprise systems integration for companies including eBay and Sanofi Pasteur before developing the core technology merged into Clutch in 2012.

The company's early roots also involve co-founders Eric Florenzano and Eric Maguire.

Where Clutch Is Hiring

Headquartered in Ambler, Pennsylvania, Clutch operates with an employee count of 262 and hires remotely across North and South America. The current batch of 14 job openings targets three primary organizational pillars:

Product and Systems Engineering

To scale agent deployment across hundreds of core banking systems, Clutch is hiring technical product leaders and integration engineers. Open positions include the Staff Product Manager, AI Agents and a Senior Product Manager ($167,200—$199,000 USD). Technical execution on the ground is led by field roles such as the Forward Deployed Engineer in the United States, alongside contractor engineering positions in Brazil including a Senior SecOps Engineer and a Senior Software Engineer.

Enterprise Go-to-Market and Services

Expanding into top-tier depository institutions requires consultative commercial and delivery teams. Roles in this department include a Director of Professional Services, a Strategic Account Executive ($175,000 USD), an Account Executive - Enterprise ($150,000 USD), and a Senior Sales Engineer ($150,000—$177,500 USD). Post-sale account management is supported by openings for a Senior Engagement Manager ($140,000—$165,000 USD) and a Senior Customer Success Manager ($118,000—$138,000 USD).

Corporate Operations

Supporting functions include an FP&A Analyst ($104,000—$120,000 USD), a Senior Accountant ($124,000—$145,000 USD), and a Senior HR Business Partner ($140,000—$165,000 USD).

Open Roles at Clutch

See all open roles at Clutch