Senior Credit Risk Manager (Fintech)

Location: London, United Kingdom; office attendance required at least 3 days a week, including Mondays

Salary: £111,342–£126,347 annual salary depending on experience. Stock options: £107,590–£130,099.

Company

hirify.global is a fintech product company offering a fair and flexible credit or debit rewards card.

What you will do

• Own underwriting strategy for new and existing members within the agreed credit risk appetite.
• Design, test, and refine application scoring, affordability, pricing, and credit line strategies across the customer lifecycle.
• Build and maintain decisioning rules and policies directly in the decisioning engine.
• Monitor vintage curves, arrears, roll rates, and early warning indicators, converting portfolio findings into strategy changes.
• Prepare and present credit risk analysis for the Credit Committee, leadership, Board, regulators, and auditors.
• Partner with Finance, Fraud, Collections, Marketing, and Product while identifying new data sources to improve risk decisions.

Requirements

• Deep experience owning underwriting strategy in financial services credit risk.
• Experience pricing and managing risk in non-prime or near-prime unsecured lending, ideally credit cards or comparable portfolios.
• Expert-level SQL and/or Python skills with the ability to perform independent analysis.
• Experience presenting and defending underwriting strategy and portfolio performance to senior stakeholders.
• Strong judgement regarding risk appetite, responsible lending, growth, losses, and profitability.
• Exposure to Taktile or a similar decisioning platform is valuable.

Nice to have

• Experience building credit risk infrastructure at a growing lender.
• Experience with Taktile or a comparable decisioning platform.

Culture & Benefits

• Office-first, remote-friendly working model with a London Shoreditch office.
• Structured progression support with fortnightly one-to-ones and quarterly peer perspectives.
• 35 holidays, including 27 days of annual leave and 8 public holidays.
• Private Bupa healthcare covering mental health, dental, and vision.
• Enhanced parental leave, a £750 annual learning allowance, team activities, and a cycle-to-work scheme.

Hiring process

• Introductory 45-minute call.
• Take-home credit risk task completed within 48 hours.
• Two-part face-to-face interview lasting 2.5 hours, followed by an offer subject to checks.