Director, Credit Risk – Cash Flow Lending

Location: Hybrid, London or Manchester, United Kingdom

Company

hirify.global is a technology-led bank providing lending and savings services while using data, technology, and AI to support credit decisions and economic growth.

What you will do

• Lead the independent assessment and challenge of new lending opportunities across UK trading businesses.
• Partner with Debt Finance Origination and Credit Analytics to identify risks and structure transactions.
• Prepare and present credit recommendations to Credit Committee and support senior decision-making.
• Assess cash-flow lending, acquisition finance, leveraged, and sponsor-backed transactions.
• Engage with customers and origination teams on credit appetite, transaction structure, and risks.
• Protect portfolio quality through exposure reviews, covenant resets, restructurings, documentation review, and emerging-risk management.

Requirements

• At least 10 years of experience in corporate or commercial credit risk, ideally within a bank, challenger bank, or specialist lending institution.
• Strong understanding of UK cash-flow lending and complex transactions, including acquisition finance, leveraged finance, M&A, MBO/MBI, and sponsor-backed lending.
• Excellent financial analysis skills covering business models, cash-flow forecasts, debt capacity, covenant structures, and downside scenarios.
• Experience exercising independent credit judgement and presenting complex recommendations to senior Credit Committees.
• Knowledge of credit risk frameworks, covenant setting, portfolio risk management, RWA, PD, and LGD.
• Strong communication, negotiation, stakeholder management, and commercial judgement skills.

Nice to have

• Experience in healthcare, hospitality and leisure, manufacturing, financial intermediaries, or other specialist lending markets.
• Exposure to restructuring, recoveries, or complex credit situations.
• Experience working with business owners, management teams, private equity sponsors, or financial advisers.

Culture & Benefits

• Entrepreneurial, collaborative, and fast-moving working environment with direct exposure to senior decision-makers.
• Equity participation for employees.
• 25 days of holiday plus personalised benefits.
• Subsidised private medical insurance, enhanced maternity and paternity leave, and wellbeing and social events.
• Volunteering time off and salary sacrifice schemes for cycle-to-work, nursery, gym, and electric car benefits.