Co-Head of Credit Risk (Real Estate)

Location: London, United Kingdom; on-site

Company

hirify.global is a lending business serving ambitious entrepreneurs and growing companies through commercial lending and disciplined credit risk management.

What you will do

• Lead real estate credit risk across lending markets and help shape the real estate credit appetite.
• Underwrite, make, and sanction decisions on complex transactions, amendments, and other material credit matters within delegated authority.
• Assess deal structure, leverage, cash flow, security, sponsor strength, downside risk, and portfolio concentration.
• Work with Debt Finance Originators from the early stages of transactions to develop suitable structures and provide clear credit feedback.
• Participate in and chair Credit Risk Committee meetings where appropriate, bringing independent judgement and challenging senior Lending colleagues.
• Lead, coach, recruit, and develop Real Estate Credit Risk teams across markets.

Requirements

• Substantial experience underwriting and sanctioning complex commercial real estate transactions.
• Direct experience making credit decisions; policy or governance experience alone is not sufficient.
• Deep knowledge of real estate lending across different asset classes and transaction types.
• Sound judgement regarding deal structure, sponsors, security, cash flow, downside risk, and portfolio exposures.
• Experience serving on senior Credit Risk Committees and confidently challenging senior Lending colleagues.
• Track record of leading and developing credit teams; experience in the UK or across multiple lending markets is advantageous.

Culture & Benefits

• Entrepreneurial environment focused on practical solutions, ownership, curiosity, and commercial understanding.
• Opportunity to challenge established ways of working and put ideas into practice.
• Equity participation for employees.
• 25 days of holiday plus personalised benefits and subsidised private medical insurance.
• Enhanced maternity and paternity leave, wellbeing and social events, and volunteering time off.
• Salary sacrifice schemes for cycling, nursery, gym, and electric cars.

Hiring process

• Applications are accepted until December 31, 2026 at 1:00 AM GMT+1.