Credit Strategy & Pricing Analyst (Fintech)

Location: San Francisco, CA; hybrid model with in-office attendance required Tuesdays, Wednesdays, and Thursdays. Remote placement is not considered. Local hours (PT); travel to hirify.global offices or other locations may be required as needed.

Salary: $84,000–$98,000 base salary annually, plus potential equity and annual bonus.

Company

hirify.global is a fintech company building focused lending products and mobile-first financial services for millions of Americans.

What you will do

• Develop, implement, and manage credit risk strategies covering underwriting, pricing, loan amount assignment, and verification based on probability of default.
• Design A/B tests and hypothesis-testing frameworks to evaluate risk-return tradeoffs.
• Build automated dashboards for funnel conversion and strategy or portfolio performance, then present findings to senior management.
• Analyze loan performance data, identify underperformance, conduct root-cause analysis, and recommend risk mitigation strategies.
• Evaluate credit expansion opportunities and non-traditional data sources to optimize risk-adjusted revenue and improve credit decisioning.
• Collaborate with technology teams to implement strategies accurately and use AI tools to conduct analyses, share insights, and generate reports.

Requirements

• 0–1 years of analytics experience and a Bachelor's or Master's degree in a quantitative field such as Statistics, Mathematics, Engineering, or Economics, or equivalent work experience.
• Strong technical skills in SQL/SAS and R/Python.
• Hands-on experience with BI or data visualization tools such as Tableau or Excel for dashboard creation.
• Excellent written and verbal communication skills.
• AI tools are used for research, writing, problem-solving, and learning.

Nice to have

• Prior experience in analytics, credit, or risk management.
• Previous experience in financial services or fintech.

Culture & Benefits

• Hybrid work model with essential in-person collaboration.
• Medical, dental, and vision plans for employees and families.
• 401(k) match and health and wellness programs.
• Flexible time off for salaried employees and up to 16 weeks of paid parental leave.
• Relocation may be offered based on the actual job level.