Credit Risk Manager (Digital SME Lending, Credit Cards)

Location: Remote from Spain, Poland, or the Netherlands

Company

hirify.global is a European fintech startup headquartered in Amsterdam, developing an all-in-one B2B financial platform with banking, accounting, financial management, and invoicing features.

What you will do

• Build and lead the end-to-end credit risk framework for SME credit cards and overdraft products.
• Own eligibility, underwriting, scoring models, limit setting, risk appetite, monitoring, reporting, and credit risk policies.
• Partner with Product and Engineering to embed risk management into product design and strategy.
• Design the data strategy across transactional, bureau, behavioural, accounting, registry, and first-party account data.
• Guide ML and Data Science teams in developing, validating, and iterating credit risk models.
• Build portfolio monitoring and early warning systems covering transaction velocity, balances, payment patterns, concentration shifts, and external signals.

Requirements

• 5+ years of experience in credit risk, including hands-on SME lending and credit cards expertise.
• Strong experience with automated underwriting and risk models in fintech or digital banking.
• Solid understanding of risk governance, policies, processes, and second-line-of-defense responsibilities.
• Analytical, structured, pragmatic, and able to align Product, Legal, Finance, Engineering, and ML/Data Science stakeholders.
• AI-native mindset and comfort using AI tools and agents for productivity and decision-making.
• Quantitative or STEM education in fields such as physics, data science, mathematics, statistics, econometrics, or quantitative finance is advantageous.

Nice to have

• Knowledge of EMI, PS4, DNB, ECB/EBA, Basel, and other European regulatory frameworks.
• Experience with SME or credit card models in Germany, Italy, or the Netherlands.
• Experience with unit economics, product-led growth, expected losses, cost of risk, and risk-adjusted margin.

Culture & Benefits

• Remote work across the EU, with flexibility to work remotely or in a hybrid model across Europe.
• Stock options available to every team member.
• Resources and opportunities for continuous professional development.
• Work & Swim program offering one month in a corporate apartment in Cyprus.
• Modern, friendly, and eco-conscious working culture with support for employee well-being.