Credit Lead (Underwriter), Institutional Lending & Liquidity

Location: Madrid, Spain; Remote

Company

hirify.global is launching a new credit vertical focused on providing short-term liquidity and credit facilities to fintech companies, payment providers, exchanges, and other financial institutions.

What you will do

• Underwrite and structure revolving credit facilities, working capital loans, and liquidity facilities.
• Analyse financial statements, cash flows, liquidity positions, and repayment capacity.
• Determine lending amounts, terms, covenants, security, and other risk protections.
• Develop credit policies, underwriting guidelines, templates, and concentration limits from scratch.
• Monitor credit risk and borrower performance while establishing risk-monitoring processes.
• Support the development and scaling of the new credit business.

Requirements

• 10+ years of relevant credit experience.
• Strong experience in credit underwriting and structuring, rather than purely credit analysis.
• Previous experience with fintech and payments is mandatory.
• Background in institutional lending, private credit, venture debt, specialty finance, or a similar environment.
• Experience establishing or developing credit policies, processes, or risk frameworks.

Nice to have

• Experience with crypto, digital assets, or stablecoins.