Credit Risk Analyst (Fintech)

Location: Barcelona, Spain

Salary: €32,000–€44,000 per year

Company

hirify.global is a fintech company providing installment payment services across European markets.

What you will do

• Manage credit strategy for a consumer portfolio covering millions of customers and thousands of merchants across multiple European countries.
• Review merchants and customer segments, adjust portfolio strategy, and align risk appetite with commercial growth.
• Design, size, test, deploy, and measure changes to credit rules, limits, and decision thresholds.
• Build monitoring for portfolio performance and risk-adjusted profitability, identifying changes before they result in losses.
• Collaborate with Data Science and Data Engineering on models, features, pipelines, and decision data.
• Own an end-to-end credit risk project and contribute to knowledge management across the team.

Requirements

• Degree in engineering, physics, computer science, mathematics, statistics, economics, another quantitative field, or equivalent quantitative ability.
• At least 4 years of experience in an analytical role where output drove business decisions.
• Strong SQL skills, including complex joins and window functions.
• Working Python skills, including reading and modifying pandas scripts and writing functions.
• Proactivity, technical curiosity, and the ability to explain complex analysis clearly to commercial and leadership audiences.
• Fluent English at B2+ level is required.

Nice to have

• Experience with consumer credit, BNPL, lending, or e-commerce risk.
• Familiarity with Git, CI/CD, and production release pipelines.
• Experience with dbt, analytics engineering, data modeling, experiments, control groups, or A/B testing.

Culture & Benefits

• Fast-moving, technology-driven environment with high standards, ownership, independent thought, innovation, and continuous learning.
• Opportunity to see analyses become credit decisions and measure their results.
• Exposure to the full credit lifecycle, from approval through portfolio performance.
• Close collaboration with the decision engine and data pipelines.
• Attractive compensation based on skills and experience.

Hiring process

• Initial conversation with the Talent team.
• Hiring Manager interview followed by a case study with the Hiring Manager and a Risk team lead.
• Final conversation with the CEO.