Credit Risk Manager (SME Lending)

Location: Remote in the Netherlands, Poland, or Spain

Company

hirify.global is a European fintech startup headquartered in Amsterdam, building 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.
• Define eligibility, underwriting, scoring models, credit limits, risk appetite, monitoring, and reporting.
• Partner with Product, Engineering, Operations, and ML/Data Science to embed risk management into product design.
• Develop the data strategy using transactional, bureau, behavioural, accounting, registry, and first-party account data.
• Build portfolio monitoring and early warning systems covering transaction velocity, balance deterioration, payment patterns, and concentration changes.
• Act as a strong second line of defense and ensure robust origination, monitoring, collections, policies, 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.
• Ability to work collaboratively with Product, Legal, Finance, Engineering, and ML/Data Science stakeholders.
• Analytical, structured, and pragmatic approach with a focus on unit economics and risk-adjusted outcomes.
• Comfort using AI tools and agents to improve productivity and decision-making.

Nice to have

• STEM or quantitative degree in physics, data science, applied mathematics, statistics, econometrics, or quantitative finance.
• Understanding of EMI, PS4, DNB, ECB/EBA, and Basel regulatory frameworks.
• Experience with SME or credit card models in Germany, Italy, or the Netherlands.

Culture & Benefits

• Remote work across the EU, with the option to work in a hybrid model.
• Opportunities for continuous personal and professional development.
• Stock options available to every team member.
• Modern, supportive, friendly, and eco-conscious working environment.
• Work & Swim program offering one month in a corporate apartment in Cyprus.