Director of Portfolio Management (Fintech)

Location: UK; hybrid working with office attendance on Monday, Wednesday, and Thursday, and remote working on Tuesday and Friday.

Company

hirify.global is a fast-growing European fintech company providing consumer payment and lending products.

What you will do

• Own and evolve the portfolio management strategy across profitability, credit risk, customer value, and risk appetite.
• Define and optimise credit limits, exposure management, product graduation, and customer lifecycle strategies.
• Monitor portfolio economics, customer behaviour, profitability, losses, utilisation, arrears, and customer outcomes.
• Partner with Product, Data, Finance, Operations, and Commercial teams on initiatives with measurable commercial impact.
• Provide data-driven recommendations and maintain governance, controls, documentation, and alignment with risk appetite.
• Lead and develop a small, high-performing team while remaining hands-on in strategy and execution.

Requirements

• Strong experience in credit risk, portfolio management, customer management, or lifecycle strategy, ideally in fintech or consumer lending.
• Track record of improving portfolio profitability while maintaining disciplined credit performance.
• Understanding of portfolio dynamics, customer unit economics, credit performance, risk-adjusted returns, and regulated lending environments.
• Experience designing strategies for credit limits, exposure management, product graduation, or customer lifecycle management.
• Strong analytical, communication, stakeholder management, and people leadership skills.
• Ability to balance growth, profitability, risk, and customer outcomes in a fast-paced, data-driven environment.

Culture & Benefits

• Hybrid work with three office days and two remote days each week.
• Pension scheme, income protection, death-in-service cover, and share options for permanent employees.
• Private medical insurance, mental health support, remote GP and physiotherapy, and an Employee Assistance Programme.
• Enhanced maternity, paternity, adoption, and shared parental leave policies.
• Professional qualifications, memberships, e-courses, internal training, and FCA and regulatory training.
• £200 work-from-home setup allowance, workplace socials, shopping discounts, and gym membership discounts.