Head of Credit (AI)

Location: São Paulo, Brazil; hybrid model with in-person collaboration at the São Paulo office one week per month

Company

Grupo hirify.global is a Latin American housing platform building technology and solutions for the full housing journey, from renting to buying and selling. The company operates across six countries, has a technology hub in Portugal, and applies artificial intelligence at large scale in real estate.

What you will do

• Lead the design and evolution of credit policies and pricing for current and new financial products.
• Build a senior credit team, initially working as an individual contributor and then establishing the team structure.
• Develop credit solutions for landlords and tenants within the marketplace ecosystem.
• Structure experimentation agendas covering hypotheses, test design, holdouts, and results analysis.
• Identify, validate, and implement AI applications for credit policies, pricing, and operational processes.
• Partner with Data, Product & Tech, Treasury, Strategy, and Growth to launch products while balancing profitability, customer retention, and responsible interest rates.

Requirements

• Proven experience in credit risk, including credit policy, modeling, pricing, or portfolio management.
• Experience managing credit products such as personal loans or working capital.
• Strong analytical skills and curiosity about AI and new technology techniques.
• Owner's mindset, hands-on approach, and ability to build structures from the ground up.
• Knowledge of banking regulations, including IFRS 9 and BCB 4966.
• Experience managing technical and business stakeholders across multiple functions.

Nice to have

• Familiarity with Python, GitHub, Airflow, or Databricks.
• Experience combining traditional bank risk foundations with fintech or digital banking agility.

Culture & Benefits

• Hybrid work with home office flexibility and a Work From Anywhere program.
• Competitive compensation, annual performance bonus for eligible roles, and variable compensation for eligible roles.
• Health, dental, and life insurance, Wellhub, and psychological, legal, social, and financial support.
• Meal and food vouchers, birthday day off, childcare and atypical parenting allowances, and extended parental leave.
• Educational partnerships and discounts supporting professional development.
• Inclusive workplace open to candidates regardless of age, gender identity, sexual orientation, race, ethnicity, origin, disability, religion, or other characteristics.

Hiring process

• Application and profile review, followed by an initial recruiter conversation.
• Hiring manager interview, technical assessment, stakeholder interview, and reference check.
• Offer and welcome after successful completion of the process.