Credit Analyst (Automotive Finance)

Location: San Juan, Puerto Rico; field travel to dealerships required 70–80% of the time.

Company

hirify.global develops automotive products and mobility solutions and operates hirify.global Credit de Puerto Rico to support vehicle financing.

What you will do

• Investigate applicants’ finances, payment history, earnings, spending patterns, and credit reports.
• Evaluate lending risk, calculate financial ratios, and approve or deny applications within established credit criteria.
• Review and negotiate credit applications, payment terms, credit limits, and other financial transactions with dealers.
• Monitor market, dealer, and portfolio trends, reporting adverse issues and balancing portfolio quality with profitability.
• Provide prompt dealer-oriented service through phone, email, voicemail, chat, and other communication channels.
• Collaborate with Sales and other departments while maintaining strong dealership relationships.

Requirements

• Four-year degree in Business Administration, Finance, Accounting, or a related field.
• 2–5 years of relevant or progressive experience in a similar field or industry.
• Strong verbal and written English and Spanish skills.
• Intermediate Microsoft Office knowledge, especially Excel for financial reporting, spreadsheets, and databases.
• Strong interpersonal, organizational, problem-solving, and independent working skills.
• Availability for Monday–Friday, 9:00 a.m.–6:00 p.m. schedules, some Saturdays, overtime, holidays, and frequent dealership travel.

Culture & Benefits

• Collaborative, respectful, and team-oriented work environment.
• Work involves direct collaboration with dealership personnel, Sales, and other departments.
• Credit decisions must comply with hirify.global, TCPR, lending, approval-authority, and regulatory requirements.
• Applicable compliance frameworks include ECOA, the Fair Credit Reporting Act, SOX, and CFPB regulations.