Head of Credit Risk Oversight (AI)

Location: Dublin, Ireland; hybrid working with 2–3 days per week in the Dublin office. Occasional travel to the London head office is required.

Salary: €121,000–€163,000 per year plus performance-based incentive awards and benefits.

Company

hirify.global is a digital bank building personal and business financial products for customers in the UK and Europe.

What you will do

• Lead second-line credit risk oversight across hirify.global Bank Europe’s full lending lifecycle, including policy, underwriting, affordability, pricing, collections, and recoveries.
• Develop the European Credit Risk Framework and Credit Risk Appetite Statement, translating risk appetite into limits, triggers, escalation paths, and local policies.
• Own credit risk measurement and IFRS 9 expected credit loss models, including PD, LGD, EAD, staging, macroeconomic scenarios, and post-model adjustments.
• Build portfolio monitoring, early-warning processes, management information, and risk insights for senior stakeholders, executives, committees, and the board.
• Act as Secretariat and Deputy Chair of the Credit Risk Oversight Committee and provide independent challenge to first-line credit, analytics, and product teams.
• Lead regulatory engagement on credit risk with the Central Bank of Ireland, auditors, and other supervisory stakeholders while building the oversight function and future team.

Requirements

• Degree in a quantitative or financial discipline such as economics, econometrics, statistics, mathematics, finance, or financial engineering.
• Experience leading credit risk oversight or measurement in a retail bank, challenger bank, or top financial regulatory consulting practice, ideally within a regulated European Union entity.
• Deep knowledge of retail credit risk modelling, including PD, LGD, EAD, IFRS 9 staging, expected credit loss, affordability, and forward-looking information.
• Experience owning or independently challenging credit risk appetite, credit policy, underwriting, collections strategies, frameworks, models, or governance.
• Strong understanding of European regulation, including EBA and ECB guidelines, IFRS 9, CCD2, and GDPR, plus engagement with auditors and supervisory authorities.
• Hands-on SQL and Python skills, with the ability to use generative and agentic artificial intelligence under appropriate controls.

Nice to have

• CFA, FRM, or PRM qualification.
• Experience working directly with the Central Bank of Ireland or European Central Bank.
• Experience building credit risk frameworks, models, or governance from scratch where data is sparse.

Culture & Benefits

• Flexible working hours within a hybrid Dublin-based working model.
• 34 days of annual leave including public holidays.
• €1,200 annual learning budget for books, courses, and conferences.
• Private healthcare, pension contributions, and wellbeing benefits including mental health support.
• Inclusive employment environment with financial education and support for employee wellbeing.

Hiring process

• Introductory call with a hirify.global recruitment team member.
• Initial call with the hiring manager.
• Role-specific, behavioural, and leadership-principles interviews over approximately 3–4 weeks.