Credit Risk Manager (Fintech)

Location: Paris, France; hybrid work with 2–3 remote days per week depending on the team

Company

hirify.global builds digital consumer finance and banking products, including instant credit, instalment payments, cashback, and banking services across Europe.

What you will do

• Monitor origination, customer segments, pricing, defaults, recoveries, and portfolio risk against business targets.
• Analyse financing cohorts, generational risk, balance-sheet risk, and potential impacts on P&L and business results.
• Recommend whether customer segments should be opened, maintained, or closed.
• Work with CPM on default and recovery curves, risk assumptions, scores, rates, country-specific topics, and salary-linked loans.
• Coordinate with CPM, Operations, Risk teams, Business Units, country CEOs, local Risk teams, ERM, and senior stakeholders.
• Contribute to the monthly risk cycle, Risk Committees, ongoing projects, and monthly risk reporting.

Requirements

• At least 3 years of experience in a quantitative or analytical role, ideally in consulting, internal audit, banking, investment banking, fintech, or payments.
• Degree from a top-ranked engineering school, business school, or university.
• Strong quantitative background and proficiency in SQL.
• Ability to analyse data independently and work with complex or uncertain topics.
• Strong communication and stakeholder management skills.
• Fluent English required for communicating data-driven recommendations to international stakeholders.

Culture & Benefits

• International work environment with opportunities for assignments in Barcelona, Lisbon, and Rome.
• Entrepreneurial mindset, team spirit, and continuous learning through internal and external training, e-learning, and workshops.
• Flexible hybrid policy, with the option to work fully remotely for one week twice a year.
• 33 days of paid holiday, special leave for major life events, and a focus on work-life balance.
• Parenthood support, Wellpass access, meal vouchers, and team-building events.

Hiring process

• Initial 30-minute video chat with Lead Talent Acquisition.
• Meeting with the Credit Strategy Management lead and a business case presentation.
• Final discussions with future team members, Risk and Data representatives, and a Comex member.