Senior Credit Risk Manager (Fintech)

Location: Remote or hybrid across Poland, the Netherlands, and Spain

Company

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

What you will do

• Build and lead the end-to-end credit risk framework for SME credit cards and overdraft products, covering eligibility, underwriting, scoring, limits, risk appetite, monitoring, and reporting.
• Partner with Product, Engineering, Operations, ML, and Data Science to embed credit risk into product strategy and delivery.
• Define the data strategy using transaction, behavioural, accounting, bureau, government registry, and first-party account data.
• Guide the development, validation, and iteration of automated credit scoring and related risk models.
• Build portfolio monitoring and early warning systems based on transaction velocity, balance deterioration, payment patterns, concentration shifts, and external data.
• Strengthen second-line-of-defense governance, credit policies, risk appetite frameworks, collections processes, and regulatory alignment.

Requirements

• 5+ years of experience in credit risk, including hands-on SME lending and credit card experience.
• Strong experience with automated underwriting and risk models in fintech or digital banking.
• Solid understanding of risk governance, policies, and processes.
• 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 to improve productivity and decision-making.
• A STEM or quantitative degree in physics, data science, applied mathematics, statistics, econometrics, or quantitative finance is a strong advantage.

Nice to have

• Understanding of EMI / PS4 regulation and related reporting requirements.
• Familiarity with European regulatory frameworks including DNB, ECB/EBA, and Basel.
• Experience with SME or credit card models in Germany, Italy, or the Netherlands.
• Interest in building accessible financial products for SMEs.

Culture & Benefits

• Work remotely or in a hybrid model across Europe.
• Opportunities for continuous personal and professional development.
• Stock options available to every team member.
• Modern, friendly, and eco-conscious work environment with ongoing employee support.
• Work & Swim program offering one month in a corporate apartment in Cyprus.