Data Analyst, Credit Risk (Fintech)

Location: San Francisco, CA, USA; onsite role

Salary: $109,000–$150,000 annual base salary, plus bonus, equity, and benefits.

Company

hirify.global is a financial technology company providing user-friendly banking services and financial tools that help members make financial progress.

What you will do

• Own the MyPay credit risk lifecycle, including underwriting policies, dynamic credit limits, and repayment strategies.
• Design, launch, and analyze A/B tests to optimize credit limits, member experience, and risk-reward trade-offs.
• Apply statistical modeling and data science techniques to identify risk signals, improve predictive models, and automate risk decisions.
• Partner with Product Management, Engineering, Data Science, and Finance to integrate risk strategies and align with financial targets.
• Build dashboards and reporting frameworks for portfolio performance, loss metrics, and program financial health.
• Manage, mentor, and develop a team of Data Analysts.

Requirements

• 3+ years of experience in credit risk, data science, or advanced analytics, preferably in consumer lending, fintech, or earned wage access.
• Expert proficiency in SQL for complex data extraction and manipulation.
• Strong Python programming skills, including Pandas, NumPy, and Scikit-learn.
• Hands-on experience designing, launching, and analyzing A/B tests and multivariate experiments.
• Understanding of consumer credit risk, loss forecasting, and unit economics.
• Ability to translate complex technical concepts into actionable strategies for executive stakeholders.

Nice to have

• Master’s or PhD in Statistics, Mathematics, Economics, Computer Science, or another quantitative field.
• Experience with earned wage access, cash advance, or short-term liquidity products.
• Familiarity with Snowflake, dbt, or Looker.

Culture & Benefits

• In-office policy with four days per week in the office and Fridays from home for employees near an office.
• Comprehensive health, financial, and wellbeing benefits.
• Backup child, elder, and pet care, plus subsidized commuter benefits for eligible employees.
• Generous vacation policy, company-wide paid days off, and paid parental leave.
• Annual wellness stipend and family planning reimbursement.
• Opportunity to work on financial products serving millions of members.