Principal Credit Risk & Pricing Analyst - Home Equity (Fintech)

Location: Hybrid, with 4 days per week in the office and 1 day remote in Johnston, Rhode Island; Westwood, Massachusetts; Columbus, Ohio; Cincinnati, Ohio; or Charlotte, North Carolina.

Salary: $135,000–$176,000 per year, plus an opportunity to earn an annual discretionary bonus.

Company

hirify.global is a financial services company providing consumer lending and home equity products.

What you will do

• Develop and optimize acquisition, underwriting, pricing, line assignment, portfolio management, and account management strategies for Home Equity products.
• Monitor portfolio performance, credit losses, utilization, profitability, customer behavior, collateral trends, and emerging risks.
• Support portfolio retention, loan sales, securitizations, participations, capital planning, and balance sheet decisions.
• Design and implement credit policies, underwriting requirements, decision rules, system logic, and operational processes.
• Build monitoring, forecasting, executive reporting, stress-testing, and performance-measurement tools using internal, bureau, property, valuation, and third-party data.
• Lead cross-functional initiatives, present recommendations to senior leaders, and mentor junior analysts.

Requirements

• Hybrid schedule: 4 days per week in the office and 1 day remote.
• 7+ years of experience in credit risk, portfolio analytics, pricing, quantitative risk management, credit policy, or a related discipline.
• 5+ years of experience in consumer lending, preferably Home Equity, Mortgage, or other real-estate-secured products.
• Experience developing credit, pricing, underwriting, portfolio optimization, or risk management strategies and influencing policy or decision rules.
• Strong quantitative, analytical, problem-solving, communication, and stakeholder-management skills.
• Bachelor’s degree in a quantitative discipline required; proficiency in one or more of SQL, Python, R, Tableau, SAS, Snowflake, Power BI, Databricks, or similar tools.

Nice to have

• Master’s degree or PhD in a quantitative field.
• Experience with secondary market activities, securitization, loan sales, participations, or other off-balance-sheet strategies.
• Knowledge of consumer credit models, model governance, pricing analytics, and regulatory expectations.
• Familiarity with AI, machine learning, digital origination platforms, and decision engines in financial services.

Culture & Benefits

• Comprehensive medical, dental, and vision coverage.
• Retirement benefits and maternity/paternity leave.
• Flexible work arrangements, education reimbursement, and wellness programs.
• Competitive pay and paid time off exceeding mandatory paid sick or paid time-away requirements in applicable U.S. jurisdictions.
• Employment is contingent on successfully passing a background check, which may include credit, motor vehicle, public record, employment, and criminal background checks.